I do have sympathy for those with dark(er, which is basically everyone) skin who may not be able to directly tell the efficacy.
My concern is that mineral sunscreens are difficult to apply and leave a film on the skin (which is the entire point, I guess?); i hate that feeling, so I use chemical sunscreens. I'd bet that some of them have very nasty long-term side effects. So in the end i almost always go with trying to cover my skin with clothes/shade/whatever if at all possible.