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Vacationed in Florida earlier this month.  Very hot all week, but I didn't get badly tanned/burned until the last day I was there.  We had gone out on a boat for the afternoon, so I was directly exposed to the sun the whole time.  Plus, going in and out of the water the 2 times we anchored washed away the sun block.  I reapplied it each time, but still got a bit burned.  It's not my worst burn, only light flaking of the skin on my shoulders days later.  Hat, sunglasses, and beard managed to save my scalp and face from it.