I keep a bag of things that will help me survive in my current climate, in the back seat of my car in case of an accident or need to evacuate. Even in 100-degree weather, this includes a long-sleeve shirt and pants, as well as gloves, a hat, and a scarf. Why?

Go look at people who cut lawns all summer. The smart ones will be covered head to toe, because getting a sunburn is awful, painful, and will sap energy from you. If you can avoid that with a cheap t-shirt from a big box store, why not?