I think it’s all in the genes. Twice in my life I got sunburned so severely I blistered up. A red flag for skin cancer later in life. I get checked regularly but so far all benign. I wear a hat when I’m outside, but it’s more for my eyes than my skin. Arms and ears are nearly always exposed. Legs, too, in summer. (I rarely wear long pants April-October)
So far, so good.