I’m probably hairier than most, including my hands. And my hands are always sideways around poles rather than palm down – I’ve never got sunburn on my hands while hiking… at the beach sometimes. Head/face/neck, arms, tops of my knees – those are the only areas I have to worry about protection when hiking. I’m always wearing at least a ~UPF50 T shirt, shorts, and shoes – no naked hiking…. yet? :P
Ian put it well – HYOH, take greater precautions if you have medical issues which is a big part of the discussion here. But, and this is getting more religion than science (and I’m a science teacher), I don’t believe that getting sunburns means you’e definitely getting skin cancer. Sunlight and many other things in our environment are constantly damaging our DNA and your cells normally do a great job repairing that DNA. I believe your diet, exercise, sleep, mindset, stress level, and sufficient sun exposure, all affect your body’s ability to repair your DNA. And I believe that vitamin D production is just a small part of the complex physiological processes triggered by sun exposure on your skin and eyes. So I personally choose moderate sun protection.

