I am wearing sunscreen, so I am completely protected from the sun.

No amount of sunscreen offers complete protection from the sun. Many people often use sunscreen incorrectly, such as not applying it ahead of time before being in the sun or not reapplying throughout the day. Additionally, people often don't apply enough. Read the label on your sunscreen to see how much you need to use to cover the areas you need protected.

I have not paid any attention to sun safety in the past. It is too late to start now.

This is not true. Sun damage is cumulative and continued exposure will further increase signs of premature aging (such as wrinkles and age spots) as well as the risk of skin cancer.

I have dark skin. It's impossible for me to get skin cancer.

Although skin cancer is more common in fair-skinned people who have the tendency to burn easily, dark-skinned people who do not protect their skin from the sun are also susceptible to developing skin cancer.

It is cloudy out, I do not need sun protection.

Believe it or not, it is also important on cloudy days to have protection from the sun. The sun's powerful ultraviolet rays can penetrate through clouds, haze, and fog (up to 80%). Although we do not see the rays and the sun does not feel as hot, this does not mean that it is safe to be outdoors without sun protection.