That the duration of protection is independent of SPF makes this particularly true. There are only a handful of places in the world where atmospheric conditions might give a very high SPF marginal benefits.
(This is why the SPF scale is inverted/measures transmittance. SPF 50 sunscreen theoretically allows through 1/50th of the UVB radiation (or whatever wavelengths are specified by your local regulator).)
99% = 1 unit of UV reaching the skin
Thus 98% filtering lets in 2x as much as 99% filtering
https://www.ewg.org/sunscreen/beware-of-benzene-shining-a-li...
Beyond that, no clue.
Counterintuitively, higher SPF matters a _lot_. The difference is in the _durataion_ of the protection and in the amount of sloppiness you can afford while applying the cream.
Suppose that for you the half-life for the sunscreen is 1 hour. SPF 30 cream would thus decay to SPF 7 in 2 hours, providing little protection. But an SPF 90 cream would still offer quite reasonable SPF 25 protection.
The same applies to sloppiness. SPFs are measured in perfect conditions, with a prescribed amount of the cream spread evenly. So the higher the SPF, the more mistakes you can make while applying it.
The actual difference between (say) SPF 30 and 50 is not a lot, 96.7% UV filtering vs 98% but I’m not 100% sure how that translates to actual rates of cancer.
However the worst offenders in the testing advertised SPF 50 but delivered SPF 4 (~75% AFAICT)