For your face, get a moisturizer that has at least SPF 20 and then wear a hat. That's what I do (pale blond mama here). I use Philosophy's Hope in a Tinted Moisturizer - 3 steps in 1! - moisturizer, enough of a tint to even out my skin tone, and SPF20. Perfect!
For the rest of me, I get the spray-on type sunscreen in SPF 50. I like Coppertone Kids, but honestly, whatever's on sale works for me. Bottom line, you spray it on and forget about it. You don't need to rub it in or anything. It's not sticky feeling that I have ever noticed, and since it's so easy to put on (literally 10 seconds for your whole body, and you're good to go), I find that it's not a big deal and I'm more likely to wear it.