We never wore sunscreen as kids because we didn't burn. I probably have had three sunburns in my life. Learned once I became an adult that that wasn't sound logic...
But Australia has always had a famously robust sun health education programme
Although it was pretty sunny with clear blue skies, the air temperature was fairly chilly (shirt, jumper and fleece cold - and I'm Scottish so used to cold weather) and I started to burn. I was warned about this, and the probability of high UV exposure at altitude by the locals and family, and was advised to apply a high factor sunblock whilst roaming around the higher elevations of New Zealand's South Island, which I did.
However, I’ve never gotten so much as a whisper of sunburn / suntan / anything on an actually cloudy day where sun wasn’t hitting me directly. Is the damage a different type that’s imperceptible? Or is this a public health comms strategy where they assume people will see a single cloud in the sky and decide it’s fine to skip sunscreen, so they talk about how you should slather yourself with sunscreen 24/7, even if the sun is obscured?
So sun obscured != low UV. It will block some of it though.