@rainbowkoala I have been this morning and tried
Bronze Gooddess, Nivea Sun, Summer Sun, Victoria Secret Coconut Passion, and Bath and Bodyworks ones
I loved bronze goddess and thought summer Sun was an exact dupe. I couldn't tell the difference! But I found them still overwhelmingly 'perfumey'. Great summer perfume though!!
Nivea sun was lovely and had that suntan lotion smell to it
Victoria's Secret I didn't think was that coconutty but I may have gone nose blind by then!!
Bath and Bodywork's I thought was too floral
My revelation came with Hawaiian Tropic! This was exactly as you describe.... coconut, beach and suntan lotion but without that 'perfume' element.
I ended up getting the Golden Paradise as it had a real pineapple scent to it too. Almost like a pina colada! £12 and I've already had multiple people tell me I smell like summer. I don't expect it to be long lasting for the money but it smells lovely and I feel like I'm on a beach when I get a whiff