Melasma is far more common in women, driven by the combination of estrogen/progesterone + UV + visible light, often worsening during pregnancy or on oral contraceptives. UVB protection alone is useless; you need broad-spectrum plus iron-oxide/zinc-oxide tinted physical blocking, alongside hard sun protection (hats, umbrellas).
Myths: ① "No sunscreen needed when cloudy/indoors" — UVA passes clouds and glass, varying little year-round. ② "Higher SPF is always better" — SPF50 blocks 98%, SPF100 blocks 99%; marginal gain is tiny, adequate reapplication matters more. ③ "Sunscreen causes vitamin D deficiency" — in reality people under-apply and expose plenty of skin; supplement/diet is a more reliable D source than sun.