What is your complexion? Most people don't have these issues, if you just be moderate about exposure, so you don't get burned and build up a base tan. Sun screen chemicals are hard on your skin and body. The toxicity has been linked to cancer and perhaps wrinkles. Get some shea butter for skin softness, if that is your choice. Perhaps what you eat has to do with sensitivity; look into that. People are not supposed to be allergic to the sun, or we might not have survived so long. Is your skin ghostly white? Some people are sensitive. Your common doctor's advise is alarmist quackery and wholly baseless. Some "experts" are on the big pharma dole. Other doctors who actually look at the study information will tell you differently.
The sun can be exceptionally intense here in Arizona between 11am and 1PM. Your strategy of early and late may work for you. Having lived in your area and frequenting several nude beaches there. You have more cloudy and drizzly days than not and that coastal fog each morning. It is hard to find the time to be naked. I found it hard to burn there, even though I spent the majority of my time in clothing...That along with SAD and other considerations, I moved to the sun.
When I hike, I have a wrap for my shoulders and upper back. There is more likelihood of a burn there (direct rays) and a bill of a hat to protect my nose. I relish not wearing those, but some days, some times It is so intense that I can burn. My girlfriend, DF, just gets darker at those times.
Something tells me that I don't understand your comment, but I've found that it is futile to try and outrun the sun.
Unless you run from shade to shade, like running from a cold rain.
Jbee