I hate sunscreen. I at least should use it on my nose when I expect to be outdoors for hours, but I often forget to.
In recent years, Americans have become so heliophobic that they become Vit D deprived, raising the risk for many diseases. My dermatologist told me that many American kids are now Vit D-deprived due to excessive sunblock use. Oral Vit D is an unreliable source. Your skin produces sufficient Vit D via exposure to the UV rays in natural sunlight for about an hour per week (assuming your body is not mostly covered up).
Nobody wants skin cancer, but the scary one is the rare but dangerous Melanoma. It seems to be associated with sunburn. Do dark-skinned people get Melanoma? Yes.
Can you get sunburned on cloudy days? I did an experiment on myself last week. After 4 hours of kayaking on a hazy day with thin clouds, I got semi- scorched. Can You Still Get A Sunburn When It’s Cloudy Out?
New sunscreen offers vitamin D production with UV protection
I think it makes sense to get some time in unprotected sun but if you are going to be outside all day nude or in a bathing suit, spray the stuff on after that and use a hat. It can't hurt.