Personally I've just been avoiding beaches and pools and bathing suits altogether for years. Even if I had been comfortable with removing my shirt to begin with (which I never was even if it's irrational), now that I'm full time, I simply do not see a way to wear a swimsuit comfortably enough to be comfortable.
With all solutions, my still male fat distribution is going to pop into everyone's eyes if I dress really lightly (as with just any swimsuit), not to mention that the only way to deal with my genitals somewhat properly is to wear board shorts over a bikini bottom (skirted swimsuits are only good until you sit with your legs folded, which is, well, how I ALWAYS sit), and even then, it's very likely that the tucking will not hold at all without supporting underwear, and worst case it might become apparent. No, it WILL, if I swim and thus make moves that no tuck can withstand. Not to mention that I've still not been able to deal with body hair in a long-lasting way, and even shaven, it's not entirely invisible.
Personally I've decided that going to the beach is simply not enough fun to warrant all the annoyance and risk.
If you really want to go to the beach, though, I would recommend going dressed and forfeiting swimming. It's probably a lot better for your skin anyway. If you really, really want to swim, well, the safest solution I can give is board shorts over a swimsuit.
