I don't burn easily at all, but having not spent much time outside the last couple of years, I'd have to be careful, too.

But, as with you, I get cold incredibly easily, so I spend about half the year completely miserable. I have a life here now that I wouldn't leave, but why I didn't head for warmer climates when I was younger, I don't know. Apparently I foolishly thought global warming would take care of things for me.