I apply all in one go (prescribed 2 pumps, tried 3 for a while but went back to 2) and I apply in the mornings, after my shower. This works for my routine as it dries whilst I'm drying my hair/faffing around before I get dressed. I know other people prefer evenings as it suits them better. I was applying it to my arms but then, as the weather improved and I wanted to use sunscreen fairly soon after applying it, I changed to my thighs.
I think just apply it when it suits your own routine and when you know you can easily leave limbs exposed for the 5 mins it takes to dry.
Good luck! Hope it works for you
Sue