T.F.
I have also heard that higher than 30 and you are not getting a benefit. Now, things may be changing....so I could be wrong. We don't use higher than a 30. My daughter is 13 and I have used 30 on her.
I do, protect my face and my daughter does the same with zinc oxide. There is a a brand (I forget) out and the formula dries clear. I use it on my face in the morning before moisturizers, makeup, etc. I can tell a difference using the barrier vs spf lotion on my face.
I also have a tattoo that is exposed to the sun and I do not want it to fade because hurt so bad to get it and I can't stand the thought of touch up, LOL. I use the zinc on it as well. It has not faded and I have not had to have touch ups, thank goodness!!
Good luck!