I think any light-skinned person is going to burn if you are outside in direct sunlight for any length of time. When I was in Miami at the Nasdaq, I wore 30 suncreen all day and I still got a tan (not a burn) as I reapplied it to my arms and legs frequently. I only applied it to my face in the morning because I was wearing a visor. And lo-and-behold, I did get some redness on my face anyway. When I go to Cincy for that tournament in August, I'm going to wear a full hat with a decent-sized brim (because my scalp actually got a sunburn as well!!)
Oh, and I agree that Banana Boat is a good sunscreen, but I've never used it on my face.