Reality: "Sun exposure damages your hair too," says Katie Rodan, M.D., of Stanford University. In fact, those hair highlights are evidence of damage that can give your mane a dry, straw-like texture and cause breakage. Keep your hair healthy by using UV-shielding products.

Reality: A tan can temporarily camouflage the redness of a pimple and dry out the skin's surface, but sun exposure will eventually lead to more breakouts. "It causes a buildup of dead skin cells that creates clogged pores," Rodan says. "This actually worsens acne." The sun also dehydrates the skin; when that happens, your oil glands try to compensate by pumping out more oil, which may leave you with more zits.

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Reality: A higher number is slightly better. "You get 99 percent sunburn protection with SPF 90, versus 96 percent with SPF 30," says Howard Sobel, M.D., of Lenox Hill Hospital in New York City. Over a lifetime, a few more percentage points of protection can add up to a lot less sun damage.