S.W.
We live by a lake, in our state of 10,000 lakes. Even if your children were strong swimmers for their ages, you wouldn't leave them alone by any beach, lake or ocean, swim vest or not. You will need to set a firm rule of no touching the water unless you, or other designated responsible adult, is there. And then be prepared to spend a lot of your time on the beach!
Anything over SPF 50 is a waste, as you need to reapply after swimming, or sweating, anyway. I'd bring both lotion and spray-on types. The roll-on type works well for faces. Vaseline or similar for lips. Floppy sun hats are also a great idea for when playing in the sand or watching children at the beach.
I would bring sand shovels and toys, for sure.
I'd figure out how meals are going to be handled ahead of time. Decide if breakfast is a real cooked meal or if there are just breakfast things available. Same with lunch. Sandwich makings, fruit, snacks can stand for most lunches. Dinners could be the family gathering. Each family could handle a meal with another doing clean up, for example. I'm not usually a "spreadsheet person", but when at family gatherings, a list or spreadsheet can be handy to be prepared and not have to deal with misunderstandings or disagreements during the vacation.
Then mostly, Enjoy! And make great family memories for you and your kids.