This is probably one of the worse heuristics I've ever heard.
Humans throughout humanity have lived awful lives full of disease, death, and misery. It used to be common for a woman to have 10 kids and maybe 2-3 would make it to adulthood.
The only reason you even have the ability to take such an obviously wrong position is BECAUSE of the very things you "ignore".
If you’re fair skinned but find yourself outside the low UV region that your skin is adapted to, you are welcome to begin the new adaptation by avoiding sun protection and going outside without regard to the UV index.
I, however, will not join that genetic adaptation.
Keep a close eye on your local UV forecast, avoid peak times, and you should be pretty good.