Personally, I would never trust a diy sunscreen, precisely because there is no way to test how effective it is. Given the 'recommended dose' for commercial sunscreens, I am very dubious that I could get effective concentrations of the UV filters on my skin from a DIY product. (also, coconut oil makes my skin FREAK OUT). Also, doesn't oil concentrate sunlight/uv? Isn't that why folks used to slather themselves in various oils when they went sunbathing? I will DIY a lot of stuff, and a lot of stuff for my face even, but never sunblock.
I have a lot of feelings about sunblock, since anything with aveobenzene makes me want to claw my eyeballs out. For days with intense sun exposure, I like the Coppertone for babies/kids tear free SPF50 (the name changes), which is cheap as all heck. For daily face wear, I get a fancy Biore sunscreen from Japan off amazon. Not exactly cheap, but if I'm going to fuck around with wearing daily sunscreen, I'm going to use something that actually works.