High SPF stuff is just a marketing gimmick. You sweat the stuff off anyway, so you will need to reapply. I have been told that SPF 15 is about as high as you need to go, and for years it worked for me.

BTW I am fairly white, and I live in the sub-tropical zone. The tropical zone northern boundary is the Tropic Of Cancer, at 23.5 degrees north. I am at 25.5 degrees north. if I go south 120 nautical miles then I am officially in the tropics.

Anyway, my first love is boats. The bike thing is somewhat new for me. Out on the water you have the UV from the sun, and more UV reflected off the ocean water. You can get cooked in the shade of my boats t-top!

My FAVORITE sunscreen is Bullfrog SPF 36 "surfer gel" formula. It does not stink like a coconut, it is not greasy, it is waterproof, and it works. You do not feel greasy.

A close second place choice is the Bullfrog sunscreen in a can stuff. You spray it on. It is alcohol based and dries almost instantly. No greasy feeling, and the police will not want to take your BAC because you stink like a pina colada.

It also helps to wear more clothing. I have a long sleeve shirt made from the same stretchy material bike shorts are made from that I wear on the boat during the summer. The material acts like SPF 50 sunblock, and never washes away.

Look for the Bullfrog "surfer formula" gel. It works great. It is about all I use anymore.