Living in FL, many friends and family have had things carved off them. I'm much more proactive when it comes to prevention now than I have been in the past. Consequently, the things I've had removed were due to previous sun exposure.
I bought a boonie hat from Amazon. It's only $11.99, and available in various colors. It's ventilated, making it cool to wear.
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https://amzn.to/2UV9FIYThe wife and I visit the dermatologist every year now. We've both had precancerous moles removed, and several more that ended up not being anything of concern. But it only takes one...