HUGE difference. I had a few bad burns as a young teen (early 1980s...right about the time the SPF system started coming out and people were starting to frown on just pure tanning oil with no spf, at least with folks I knew).
I use products with spf...moisturizer, foundation, hand lotion (don't forget the backs of your hands too!) and of course sunscreen when I travel (I live in the Seattle area but can still burn on cloudy days, no joke)...I am obsessed with the caribbean and literally have to bathe in spf45 lotion before I go out in the sun, LOL!
I look far younger than my nearly 41 years and my dermatologist also confirmed I have far less sun damage than many my age. SOOO...a huge shout out to sunscreen!!