I, like your mum, have a wrinkly chest (only the chest though!!) where the sun over the years has burnt it, but I didn't know about it then, I put cream on all the time but it is so delicate now I have to cover up always. They say now not to bother with sun cream as it is useless, the proper way is to remain covered or stay out of the sun altogether. I have just spent a few days with a friend, sadly he has bad skin cancer. He was fair skinned and fair haired when he was young and worked as a farmer in the fields, now pays a high price for not knowing the risks. It really isn't worth it. You are right to cover upScarlett.