My kids are both very fair (one is freckley the other very pale with white-blonde hair). Have so far managed to avoid them getting sunburnt by being strict about hats / staying out of sun 10 - 2, covering up, etc. I have also got very pale skin w/ rosacea and gotten burned a few times and it hurts so much so really want to avoid this happening to my kids.
Extended family were going to a lake today with a beach and I was applying suncream really thickly. Kids looked like ghosts! My brother said it needs to be rubbed in a bit. My thinking is that a thicker layer prevents burning for longer. It got quite heated (no pun intended). Am just using Soltan / Ambre Solaire for kids stuff from Boots as is my brother for his family. If I am wrong I would actually be quite happy as I don't want to waste it as it isn't cheap!!
YABU - it's fine to rub it in
YANBU - thicker layer protects the skin for longer
As an aside I remember when I was small we had "sun block" but this doesn't seem to exist anymore? Does more-than-factor-50 exist? I was thinking of the Australian cricketers with that green stuff on their faces which they didn't rub in? Maybe should use this...