Best Treatment for Sun Damaged Skin?

I am a 28 year old female and I've been a sun worshipper up until this year. I also swim in an outdoor pool every day, thus am in the sun on most days. My skin is normal, but after pool chlorine, I experience severe dehydration. Due to high cheekbones and many summers sunbathing like mad, I now have a few wrinkles under the eyes. They are only apparent when I smile, but they are really getting me down, and I fear that they will get deeper with time. I've also noticed my skin tone is not excellent (people comment on my skin, but under a magnifying glass, I can see lot of pigmentation and uneven tones due to sun damage). Thus I'd like to do something now to try and get rid of the wrinkles and prevent further damage.

I've done lot of research, and although most people recomend Obagi peel or Retin A, I am frightened as I do not wish to have a face that's peeling. Also I read that you are not allowed to be exposed to the sun while using Retin-A. Is that correct? I'm concerned about this because I'm always outdoors (but now wear SPF 30). I do not have wrinkles anywhere else and I am also unsure what products are best (daily/monthly treatments) to ensure skin remains wrinkle-free. A lot of people have noted that problems return when they stop using the range.

Others recomend ROC Deep wrinkle night cream, IPL, or microdermabrasion. What is the best option from all of these? I would like something safe but actually works and gives long-term results. Any ideas?