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I don't get chasing the biggest spf numbers. An spf 20 already blocks 1/20 of UV rays. I personally get a sunburn after approx 1 hour in my climate and with my skin. Logically I would then have to be outside for 20 hours to get a sun burn! That will never happen. Not even counting that the skin will partly self heal during those 20 hours. Even if you're one of those who burn in 15 minutes a spf of 20 should still get you 5 hours before a burn.
I say those 50+ SPF sunscreens are over the top and extremely few need a strength that high. Maybe if you're sun allergic I could understand. And for cancer. Reducing my risk by 1/20 is enough for me. That's a massive reduction and on top of that skin cancer is the world's easiest treatable cancer with the lowest death rate. Skin aging? I don't care. I'm not out to look 15 at 50. I wanna look 50 at 50. That's my take on it all.
As someone with the skin complexion of a jar of mayonnaise, burns after ten minutes on a cloudy day, and got sun burned to the point of sun poisoning and second degree burns once in my youth - yeah, I'm going to chase that bigger number. Skin cancer also runs in my family. Once had a dermatologist tell me that I shouldn't go out of the house without a minimum of spf 50 on all exposed skin, period. Doesn't matter the time of year. I don't tan. I freckle and more freckles mean more checking for the ABCs of skin cancer. Just had an age spot (according to the dermatologist) removed not too long ago because the freckle became raised, rough, and irregularly shaped.
For someone like you I totally understand. Getting sunburned after 15 minutes of cloudy weather is extreme. My condolences.