I have the children wear protective t-shirts
My children are fair-skinned, and because I use enough sunscreen on them, this hardly changes. It runs in the family - we don’t have dark skin. My husband and I also use sunscreen. My husband is even more sensitive than I am. We also use sun hats to protect ourselves from too much sun.
Because the sun rays can also get through fabric, I also put sunscreen on my children when they wear normal T-shirts. Since last year I have had them wear protective T-shirts that have a sun protection factor. These are short-sleeved shirts, so I still put sunscreen lotion on their arms and legs, but at least their upper body is protected.
It is always a balancing act, because your body should get a bit of sun, too. But having them wear these T-shirts and putting lotion on their arms and legs works quite well.