The one exception to the rule might be if you're already wearing an SPF moisturiser. In this case, it may seem futile to double up on protection and add a sunscreen on top. In fact, out of the two, SPF moisturisers might seem like the better bet - protecting you from harmful UV rays and hydrating your skin to boot.
This is a companion discussion topic for the original article at https://patient.info/news-and-features/does-spf-moisturiser-give-you-enough-sun-protection