For my kids, we use sunscreen liberally the first month or two of the summer, but I find we don't stay out long enough to burn once their skin adapts to summer exposure. The past month or more we haven't bothered to apply sunscreen and they aren't burning, even my fairest daughter. I used to insist on swim shirts, but they hated to wear them, so they became a waste of money. Perhaps that will change when they're a bit older and can understand the rationale.
I burn easily on face/ears/neck so I use a wide hat when out, and sunscreen when cycling (haven't gotten around to getting something that fits under the helmet). I personally enjoy wearing wicking shirts in summer, so I'm almost always wearing something rated for protection. Main drawback is that every one I've tried stains ridiculously easily, so they end up looking awful shortly into their useable lifespan. I don't care about that, but others might.
When I worked full shifts outdoors, I relied on full physical barrier: long shirts, bandana around the neck, and wide hat. I got nasty second degree sunburn all over my upper torso once as a kid so I never am outside shirtless.
