What I've always done is build up my tolerance by getting tan during the spring so I can walk around without sunscreen in summer. Of course I don't go crazy with it, and I try to avoid direct sunlight in high-UV situations (e.g. walking on the shaded side of the street) but I take it when there is no option. It works fine for me, I rarely get sunburn and when I do it's minor, just a little red glow and sensitivity. Even though I have very pale skin I tan and burn very slowly, luckily. I lived in Australia a while in the early '00s while the ozone hole was still around and the same approach worked even there
I live in a country (Spain) that has lots of sun so I don't want to go out with cream every day. The only times I use it is when I'm outside for a long time and I feel I'm getting close to burning.
I get that it's totally bad what I see many Northern European tourists do: They stay indoors most of the summer and then take a 2-week holiday to the costa's where they lay in the sun for 12 hours a day. Obviously this is totally bad, even with suncreen you will get totally burned to a crisp.
In any case, I'll see. Maybe I'm wrong but in that case the damage is done already. But I don't think sun exposure can be as bad as they say.