Maybe I am not drawn toward sitting in the sun all day because I'm whiter than rice (white rice even) and I start to sweat at around 71 deg F.
Last time I went to the beach on Cape Cod with my girlfriend, I had on 45 spf and began to burn after about an hour and a half. Without going in the water.
I'm pretty pale myself, and I burn very easily. I'm also not a big fan of the heat or sitting around and doing nothing. However, I did have fun when we went to Antigua (as much as I hated having to go in the middle of ski season :smash