I have never believed that slathering myself in sunscreen and preventing the development of natural protection on my lily white Irish/English/Dutch/German/Nordic skin was the best idea (there may also be some Native American in there according to the old family bible.) I've always built a tan slowly and naturally, not by sitting still in the sun, but by being active outdoors, shedding layers of clothing as the weather warmed, just as my ancestors did. There's a reason why we turn brown with sun exposure.
I do use a sun screen if I am going to be out all day, but usually only on my shoulders, nose and tops of ears. I'll add other parts of my body if I think it's necessary based on how long I have been or will be out in the sun, and I never use it in my moisturized or makeup, or for just for walking back and forth to work or the stores, or around town at lunch. If I travel closer to the equator, I'll be more liberal with artificial protection, but otherwise, I'm not paranoid about it.
And low and behold, here's someone who thinks I am not nutz!