Ray, it's probably no as bad as you think, Bath was right about the other night!

I use the Body Shop Lightening Touch. I'm very fair like you and rings show right UP if I go to bed past 10pm (so I will paste it on tomorrow morning!).

I don't use anything else usually, but if I wear a tinted moisturiser (a good place to start if you don't like foundation) or foundation I put it on over the top.
It has a great texture, not like the pancaky/crayon type that drags your skin.

Pop in to the Body Shop next time you are shopping, ask them to try it on you. It's about $20-$30 I think, and at least you can feel/see if it suits you.

xoxo