No sunscreen means you'll probably get a sunburn if you have a light skin tone. Wearing sunscreen is however very uncomfortable, especially if you need to put on clothes later. On the other hand, skin cancer also sucks.
If you live in regions such as Australia, there might not even be a point to care. You already have roughly a 69% lifetime chance of getting skin cancer. Just keep in mind that 99% of those cases are non melanoma and only 1% of them are. Those 1% of cases are the very dangerous ones. (Both types require treatment asap)