I wanted to bump this, as a friend wrote me tonite that she had experienced a severe reaction to a high SPF product (110!), that produced an actual chemical burn of her face. This feels, and it treated exactly like a thermal burn, such as from hot oil.
Yikes! just from applying sunscreen!
No need to go higher than about SPF 30, you want UVA and UVB protection.
something like this:
http://www.bananaboat.com/products/14626.aspx?cat=3&curBrowseBy=Usage