Don’t get carried away on the beach, with the sea breeze it can seem cooler than it really is. I was advised to use at least factor 30 and laughed at first, but when I got heat rash, it wasn’t much fun. Sun lotion is quite expensive in Rio, so you may want to stock up before you go.
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The skin is very tender having spent most of the year in shoes and that sun can be vicious so nothing less than factor 30, repeated regularly.