It's a waste of money-I'm skin type 4, I don't burn so I'd only use it because supposedly "everyone needs it". It impedes Vitamin D conversion and levels are a concern for me.
Makes no sense to buy sunscreen to prevent something I'm at super low risk for and be forced to turn around and have to buy vitamin d to prevent things I'm at super high risk for. I'm lucky enough to be able to enjoy the sun without slathering on chemicals, so I do.
Outside just published an article about this was super interesting: https://www.outsideonline.com/2380751/sunscreen-sun-exposure-skin-cancer-science
(Summary: you're probably right ;) )