great link, misschievious.
i think spf 45 gives 98% protection against UVB, 50 might be like 99% - but you're adding so much more ingredients to get that small % increase. the reason spf 45 is recommended for those with lupus is because the sun can trigger lupus reactions.
i forgot to mention in my earlier post to look for a "broad-spectrum" sunscreen to block out both UVB and UVA. most sunscreens block out UVB, so look for broad spectrum to also block out some UVA. (both can contribute to cancer. UVA penetrates the 2nd layer of skin more which results in wrinkles, leathery skin....UVB hits the top layer of skin and is the cause of sunburns. if you hear about UVC, we're safe since the ozone blocks that out from reaching us)
i know also answered a question on sensitive skin to sunscreen somewhere but i'll repeat myself - look for the active ingredient to be titanium diozide or zinc oxide. these have the least allergenic potential. avoid PABA, benzene, benzone, salicylates, etc.
also remember, the sun can trigger stuff like coldsores, too (so don't forget the spf lipbalm).