Sun facts and myths to keep you safe (Getty Images )

The lie: "The sun is only dangerous between 10 a.m. and 2 p.m."

The truth: The sun may not feel as intense post-lunchtime, "but it can do damage even on a cloudy day, so you have to take afternoon sun seriously," says Baumann. And if you're sitting by the water, the sun's rays are reflected and intensified, so stick to that every-two-hours sunscreen-application rule, at least until happy hour starts.

The lie: "I'm not Caucasian, so I'm not really at risk for skin cancer."

The truth: We get the logic of this one, because the darker your natural skin tone, the more melanin your skin contains. And this does give you some inherent protection against UV rays, but dermatologists all agree: It's not nearly enough. "A person with medium-brown skin has a 'natural' SPF of about 13. You need at least SPF 30 to protect against skin cancer and wrinkles," Gohara says, and even the darkest-skinned individuals don't have a natural SPF that high. Another wake-up call: African-Americans are at higher risk for acral lentiginous melanoma, a particularly dangerous form of the disease that develops on the palms of hands and the soles of feet—places the sun often doesn't even reach. "It's so deadly because many people don't see it until it's spread," says Gohara. Which is why it's also essential for everyone, regardless of skin color, to see a dermatologist once a year for an allover skin check.

The lie: "Getting a bit of color on my legs or arms is no biggie—they aren't as delicate as my face."

The truth: No siree bob. "The most common spot for melanoma to develop on a woman is on the calf of a leg," Gohara says. The second most common area is on the torso. Remember: You need to make sure all of your exposed body parts are either covered with clothing or coated in a broad-spectrum sunscreen like Neutrogena Ultra Sheer Body Mist SPF 45, $10.49.

The lie: "Don't some chemical sunscreens contain carcinogens?"

The truth: This rumor has been floating around online for some time now. "It started when, in 2001, a small study performed on mice suggested that oxybenzone, an FDA-aproved ingredient found in many chemical sunscreens, produced free radicalsthat may contribute to melanoma," says Marder says. But every dermatologist we spoke with said there's no scientific evidence suggesting that oxybenzone is harmful to humans. Still, if you'd feel better using an all-natural sunscreen, one of our favorites is Alba Botanica Very Emollient Mineral Sunscreen SPF 30, $10.99.