I wear sun block now, and a hat, and sun shirts quite often. And I never lay out in the sun. But, back in the 80's, I used to put on baby oil and float down the river on a raft or inner tube several times a week all summer long. I'm 63 now. I've been going to dermatologist for annual full body skin checks and there's never been a problem, fortunately, but does that mean I've dodged a bullet? Or could something appears years after exposure. I also got a bad sunburn on my back nearly 10 years ago while snorkeling without protection for hours.