A ruched one-piece is your best bet.

Yes. That’s the easiest way to go. No fussing with two pieces that dig in or fold over.

Apple shapes carry weight around the middle, so the key is fabric that drapes and skims instead of pulling tight. Ruched (that gathered, stretchy fabric) does exactly that. It hides the belly and creates a soft, natural look. A one-piece also gives you one smooth line from top to bottom, so you’re not constantly adjusting a waistband that rolls or a top that rides up.

Don’t overthink it: look for ruching down the front, maybe a wrap-style or a deep V-neck to draw the eye upward. Skip anything with a horizontal seam across the belly. And ignore the size tag—buy the size that fits your bust and hips, even if the midsection is a little roomy. That ruching will handle the rest.

You want to feel good in the water, not worry about what’s showing. This is the easiest shortcut.