P.J.,

I have been using Natura Bisse Sun Defense Cream SPF 30+ over my moisturizer and under foundation. It has a slight tint and I often do not use anything on top. I have very fair skin and live in a semitropical environment. I do not wear any neckline lower than a crew neck level and there is almost no noticible difference in color of the skin below my neckline. I seldom use a sunscreen on my hands and they are dark. I also use mosturizer with sun protection as well as foundation with protection.
The Natura Bisse is expensive but I have been using the same tube for over a year.

I heard a dermatologist explain that the SPF indicates how long you can be in full sun before your skin begins to be affected. So if you are fair and would start to turn red after 10 min the SPF would mulitiply that time by the number of min. She also said that putting more on would not multiply the length of time. It seems that this is only a daily number. So it seems that all the protecive creams are only short term protection. The best advice is to to avoid direct sun between 10 AM and 2 PM.