As a Fitzpatrick skin type 1 living in Australia, zinc is my best friend.
I’m pale enough that you can’t even tell I’ve got white paste on my face, and I’m physically blocking the sun.
I have a 50 SPF moisturiser that I use daily before I leave the house, even in winter, and I reapply it several times a day in summer, but I still get sun burnt if I don’t also wear zinc.
Now that I’m older I’ve gotten a lot better at often wearing a wide brim hat and long sleeves in the summer, but it’s not always possible.
Zinc is also reef safe for beach wear, and doesn’t contain avobenzone so it will provide longer protection from UVA rays, and no risk of irritation if applied prior to swimming in a chlorinated pool. (avobenzone and chlorine are not friends)