SPF 50 is the sweet spot for most people.

No, but you don’t need to go crazy past SPF 50.

The difference between SPF 50 and SPF 100 is roughly 1% more UVB blockage — 98% vs. 99%. That tiny bump isn’t worth the extra cost or the false confidence it gives people. Extended outdoor activity is about reapplication, not starting strength. You should be slathering on a shot glass worth every two hours, regardless of the number on the bottle.

Water resistance matters more than the SPF number. Look for “broad spectrum” and “water resistant” (40 or 80 minutes). Then actually reapply. Most sunburns happen because you put it on once at 10am and forgot.

The real variable is how much you use. Most people apply half the recommended amount. With SPF 50 you still get decent coverage even if you skimp. With SPF 100 you might get a false sense of security and skip reapplication. That’s how you burn.

Reapplying is more important than the number on the bottle.