Scared of it----no. Cautious---YES. I never leave the house without sunscreen, make sure I cover my head and wear sunglasses if the sun is going to be strong. But I don't obsess. I think a lot of it depends on how fair you are and how easily you burn. I'm mayonnaise boy, but with a 15-30 spf, I rarely burn unless I'm exposed for a long time, which I never allow to happen. I do take extra care if I'm going to expose tender skin that rarely sees the sun however.
My research of Melanoma leads me to believe that the most serious damage occurred when we were young. I know my parents never used sun screen on me when I was growing up and the only reason I started using it was to prevent aging. I wish I had known then what I know now.