Orphan...maybe it comes down to the age factor...I have been out in the sun all my life, both work and at play (playing almost exclusively on or around the water)....at 57 years old the cumulative damage is substantial.

Keep in mind that very few people get to work outside and maintain a distance of less than 10 feet from the waters edge.
Most lifeguard towers are not even that close.

Keep in mind also that the Gulf stream is about 3 times closer here than Daytona...I have been up there surfing and the water temperature is substantialy colder at times.