SPF is a Sun Protection Factor, meaning it multiplies the time it takes for your skin to burn. For example, if very light skin normally burns in about 10 minutes, SPF 20 stretches that to ~200 minutes, which is already over 3 hours. Since dermatologists recommend reapplying every 2 hours regardless, going beyond SPF 30–50 (which blocks ~97–98% of UVB) doesn’t add much practical benefit. Even for very fair skin, correct application and reapplication are far more important than chasing SPF 100.