The thing that tells you a one piece was worth the money is what happens after about a dozen washes and a few sessions of actual swimming rather than sitting at the edge with your feet in. The lining either still sits flat against your skin or it's gone thin and a bit see through at the bust, and the shoulder straps either still grip or they've stretched out and started sliding no matter how many times you hitch them up.
It's not the right choice for every situation, and it's worth being honest about that. If you want even tanning and don't mind the faff of two pieces, a one piece will always leave lines across your shoulders and hips that read as odd in a strapless dress a few weeks later. For serious lane swimming it can be the wrong call too, since a lot of the swimwear aimed at beach and pool holidays uses lighter, softer fabric that goes baggy and waterlogged after real laps, where you actually want something firmer and more compressive. And loose, floaty cover ups in slippery fabrics like viscose or thin rayon do it no favours, because the shapes fight each other and you end up adjusting both at once.
Fabric is where the good ones separate themselves from the sad ones. Look for a high percentage of elastane mixed with either nylon or polyester, because that's what keeps the shape after it's wet rather than letting it go slack and baggy by the second day of a trip. Chlorine resistant fabric matters more than people assume if you're anywhere near a pool rather than the sea, since ordinary swimwear can fade and thin out within a couple of weeks of regular pool use. Check the lining too, it should be a separate layer rather than just a thicker patch at the front, otherwise it goes sheer exactly where you don't want it. Good hardware helps as well, metal rings and sliders on the straps rather than plastic, which cracks and discolours faster than you'd expect from something that only touches sun cream and salt water.
Before you buy, stretch the fabric gently between your fingers in the shop. It should spring back immediately rather than stay loose. Check the seams at the leg and underarm for any puckering, since that's usually where cheap construction shows first, and have a proper look at the lining colour against the outer fabric held up to the light, because that tells you more about how it'll behave wet than anything on the label.
A well made one piece outlasts several cheap bikinis and never once leaves you adjusting it on a sun lounger.