Need some input from those in more southern latitudes. Trying to avoid getting scorched on the occasional trip to the tropics and sunscreen only goes so far. Like the idea of a hooded rash guard as you can just pull the hood down when you want but having wet rash guard covering ears seems uncomfortable. I'm very used to wetsuit hood but the inside of a wetsuit hood isn't wet 100% of the time. Is a hat with chin strap/buckle the better option?