I totally agree with all the sunscreen advice. One thing not to forget even when wearing a hat is say for instance one is reading a book sunrays will reflect and increase the burn possibility (Take it from someone who got burndt with a hat on!)
Second being a golfer, there are many SPF clothes out there now. Try golf shops or outdoor sporting good stores that carry items meant for hiking (outdoor world,galyans, dick's etc.) I also read somewhere that moisturizers with SPF in them will not protect as well as products designed as pure sunscreens. So you still will need more protection.