I am on the side of NO direct SUN, if at all possible. I moved to Texas in 1991 and was not in the habit of wearing sunscreen. I started getting a couple light brown spots on my face and they are getting worse all the time. I got smart in the mid 90's and started putting on sunscreen, but the damage was already started. My hands have tons brown spots on them from all my time outside in the garden.

I use concealer to cover these darn spots on my face. I may get them lasered off one of these days.

I wear an spf 15 moisturizer at all times now, even on cloudy days.

I realize this is nothing compared to having melanoma.