I have to be honest...I am dedicated to SPF if I have to be out during peak hours. When the mosquitoes are at their worst here in West TN, the sun isn't so high in the sky. That's when I opt more for a straight repellant. There are some combos on the market that offer both protection from insects and the sun though.
Here's a piece I did a couple of years ago on sunscreen and bug sprays:
https://skincancer.net/life-with-skin-cancer/sunscreen-bug-spray
Hope you are staying protected all the way around!
April, SkinCancer.net, Moderator