The other side of the argument is that you might not have visible burns, but you are still being exposed to high-energy radiation that will damage the DNA of sk

The other side of the argument is that you might not have visible burns, but you are still being exposed to high-energy radiation that will damage the DNA of skin cells, making you more prone to skin cancer. This risk can be somewhat mitigated by going for regular skin checks as you age. All things taken into consideration, I'm also in the "have fun in the sun" camp.