Yep, you have to be careful in the sun. So with that said, I really like to tan, naturally, when on vacation, and very seldom ever put on a sunscreen on my body, but my head, a 30psf and regularly. And a cap. and when at the beach, use that umbrella. I don't get to tan in the Summer in Illinois, except for the farmer's tan, but I do wear a cap everyday.
I've never had a problem, and do have the doctor check me every year at check up time.
He always says, "wear cap, use sunscreen regularly, stay out of the sun, don't drink beer, and no good whiskey either, exercise regularly, take your BP meds, on and on.
They just don't want you to have any fun.