Zip lock on the beach is the way to go.Definitely zip-lock bags for times at beach when it isn’t in use.
A good & inexpensive ‘rugged’ case the Magpul. They don’t overcharge.
When you ‘clean’ the phone/screen in a sandy environment I would blow it off before wiping with any cloth.. and also consider having a cloth in a ziplock bag to keep sand off of it.
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View attachment 784014 Not saltwater but I took this picture under water with my X in a lake in Michigan. Make your own choice but I had no issues whatsoever. I scuba dive 2x a week and rinse off the phone with fresh water since we leave our phones on the center console when we go in. Salt is the real enemy, not so much the water itself.
How far down is your dive? Case?