[erelong]

tl;dr you probably should get a few minutes of sunlight daily on your unexposed skin without sunscreen for the "health gains"

(you can also wear clothes to block sun instead of sunscreen so you don't necessarily need sunscreen at all)

[maleldil]

You still need it at least on your face and hands. A hat won't completely protect against UV, and you're probably not going to wear gloves in the summer.