Visited a dermatologist a few days ago.

After telling her I had been using 45 spf Neutrogena all over my body & face when I cycle, she said that real coverage means thick application. Which means after 5 applications the bottle is gone.

So her message was to reapply frequently. Also she agreed I have to use a higher spf on my face since it is more prone to freckling, etc.

She examined my skin allover my body and did say that I did a consistent job of using sunblock protection, given the amount of time (and years) I've been cycling outdoors. 'Course I don't swim nor lie out in a bathing suit for past many years, so large parts of my body has been protected.

I don't use it on my forehead since I have bangs, helmet and sunglasses.

AFter this dr.'s visit, I now definitely have no interest in wearing any sleevless / tanktops when exercising outdoors. I don't want to worry about skin exposure on yet another part of my body. Enough to be vigilant now for the skin areas that I regularily expose.