When my little one was tiny, I just carried her all the time. I kept her in a sling, so she could view the world from my level. She had never done any sort of "tummy time" at all. At six months, somebody told me that she wouldn't learn how to crawl, so I sat her down on the floor, and in about 10 minutes she was crawling. She could sit on her own because of the sling and how she sat in it.
Honestly, if your baby doesn't like tummy time, it's not doing anything good for her. Just don't do it. She can have stimulation from other things, like walks in your arms where you point out birds and flowers and tell her about them, etc. She will learn a lot from listening to you talk and being in your arms while you do things. I even talked to her about things at the grocery store, while I held her (she never went in one of those car seats with handles).
Apparently it didn't hurt her, because she has an unusually high IQ and is a very confident and happy child. :)
I'm going to add on here: When my 16 year old was a baby, we were never told anything about how important "tummy time" is. He learned to crawl at four months and walk at nine months. Obviously not behind. In my opinion, it's like many things: They tout how important it is and get mothers all worked up about it, then come out saying it turns out it's not really all that important.
What has stood the test of time is the importance of holding your baby and talking/reading, etc to her. When in doubt, I try to think about early humans. At four months, do you think that a mother would have put her baby down for "tummy time" in the jungle? The baby would have been eaten by something. Instead, momma never put her baby down. Baby was always near a relative. If "early human" baby didn't learn to hold their own head up, or walk, etc, they would have died. Since humans are still around, obviously, early human babies learned these things without tummy time! Your baby will develop muscles much better by sitting in a sling while you carry her around, or even just being carried. It's how human babies have developed for thousands of years.
I think the babies who are behind and have developmental problems do so oftentimes because they spent so much time just sitting in one of those car seats and not being talked to, held enough, etc. Carry your baby in the grocery store, take her on walks, etc. She won't be behind.