I never use sunscreen in the 40 years of cycling except for about 10 rides or so when I first moved to the Mojave Desert of California. What I found out during those 10 rides or so was that I felt hotter with sunscreen then I did without. Fortunately I have the kind of skin that sun doesn't bother it much, and when a person is riding a bike the body position is changing quite a bit from the angle of the sun, add on top of that clothing, helmet and sunglasses.
However, having said that, if I was a fair skinned person I would wear sun protection regardless of how it made me feel because feeling a bit hotter is better than risking skin cancer.
If your neck and or bald head is an issue the do make this: adventurecycling.orgprotech capOpen ↗
Sunscreen only lasts so long then it's useless anyways, so if your ride is greater than 2 hours (depending on how much you sweat you may have to reapply every 1 1/2 hours) you better carry some with you so you can reapply it.
Also the higher the SPF number doesn't equate into a better sun screen. A 30 SPF will block about 96% of the UVB rays, a 60 will block about 98%, and a 75 is still under 99%!
I get myself checked every year for sun damage, I'm 61 and the doctors never find anything.