I've only ever smoked like a quarter of one cigarette when I was eighteen and I thought it was fucking gross so I never picked up the habit (fortunately).
That said, I'm a pretty pale dude and my sister has gotten skin cancer twice now [1], so I've started getting a bit worried that that's going to happen to me. I've started wearing a baseball cap every time I go outside to protect my scalp (since my body has decided I don't need nearly as much hair anymore), I almost never go outside without jeans and often now a hoodie even when it's relatively warm outside. If I think I'm going to be outside for more than ~30 minutes, I wear sunscreen on the exposed parts.
I have to admit that I kind of hate it. I don't like the slimy feeling of sunscreen on my skin, I don't really like how hats feel on my head, and of course wearing a lot of clothes when it's warm outside isn't terribly comfortable.
[1] Fortunately caught very early since she gets frequent checks, so she's fine.
Sun shirts are a great option for me at least.
A fairly bad sunburn was the reality check I needed to start scheduling annual screenings. 30 minutes or so a year for peace of mind.
Check out mineral based sunscreens, I have sensitive skin and I find them infinitely more tolerable.
Timing is also a big part. Going out for an hour at 1 pm can be a burn while going from 7 to sunset for the week might not even register.
If you must go out at certain times then the clothing selections from others are probably the best bet.
A bit offtopic, but have you tried different sunscreen types? There are quite a lot of formulations from matte creams to solid sticks. Mentioned because I remember avoiding sunscreens precisely because of that slimy feeling I got from the drugstore ones, that is, until I found an "invisible" one that doesn't feel like anything at all on my skin.
Strong recommend a UV umbrella. I also hate the feeling of sunscreen and will also fry the minute I so much as look at the sun.
Also, linen clothing. Far more comfortable in heat while keeping you covered. Hoodies and jeans sounds miserable.
Also share the icky for greasy sunscreen. But there are some with a matte dry texture that not only serves the purpose but also make your skin looks nicer, since it levels out those small color variations. It’s a big market, so they really do research on those things.