I'm so divided on this. I wear sunscreen all summer and if I'm going to be in the sun because I don't like how I look with a tan (with light brown eyes and hair, I lose my contrast) and if I forget sunscreen and get a good dose of sun I can see the deterioration in my skin. I also used to work at a dermatologist's office and encountered people who wore sunscreen all the time, occasionally, and never. The people who wore sunscreen and hats and didn't go outside often looked he best for their age and had the clearest skin. The people who sometimes wore sunscreen were the ones who had malignancies, it seemed. And people who rarely wore sunscreen aged badly but didn't have malignancies until they were elderly, unless they were of an exceedingly fair complexion. That was the pattern I saw, at least.    My mother is of Croatian, Hungarian, and Slovak ancestry (black hair, olive skin) and never wears sunscreen. She makes a big deal of it if she peels a bit on her shoulders at the end of the summer. My father is a freckled Anglo-Saxon and the beach is the definition of hell for him, he burns even with SPF 50 sunscreen. I ended up in the middle: I don't burn unless I'm out for hours in direct sun, if I wear sunscreen I don't burn hardly at all, my first tan is in a freckle pattern then it evens out, and typically, I'm a light gold and toasted on the top. I always use a facial sunscreen lotion and so far so good because I'm always getting carded.    As for the chemicals, I try to use an all natural sunscreen for everyday and save the sport sunscreen for....sport. On my way home from work, I wear my sweater or longsleeve shirt to keep the sun off my arms.