I'm a pasty white guy in the antipodes, and I burn like a sausage on flaming barbeque.
I much prefer cloth-based sunscreen. That adds cooling as well as sun protection, and doesn't leave a greasy residue that has to be washed off. Getting sunscreen to stay on areas that are hot, sweaty and being rubbed is not easy and rarely effective. My preference is not to ride when it's that hot and sunny, leave early or arrive late instead.
If I can't do that I wear long sleeves and a hat, with full coverage gloves as well. With a nice floppy hat and a hood or hat-flap it's only my face that's actually exposed . I find this is cooler than being exposed and using suncreen, which in Australia can be handy (cycling when the air is much above body core temperature is unpleasant). For my face I do find I need something on my nose and occasionally lips, which is I dislike. But when I have to I use baby beach products, usually a stick. I figure anything designed to stay on an infant at the beach will work for me, and since I'm using a tiny amount of it occasionally the cost isn't really relevant.
I look for tradespeople's clothing because that usually works better than cycling clothes. It's generally fluorescent, hard-wearing and affordable as well as SPF 50+, plus it's designed to be worn by hot sweaty people. Also, you get pockets. Finding long pants in lightweight fluoro can be tricky, but they are made (at least in Oz).