Francesca says: Even though it is the winter months, and it feels as though the sun will never return, it is still there. With its UV rays of death and wrinkles. A girl must wear sunscreen on her face and hands year-round to protect the skinses!
Francesca herself is partial to the Oil of Olay Complete All Day UV Defense Moisture Cream, ever since she discovered in her late teens that it is the only moisturizer/sunscreen combination that does not make her break out in the little pimples or cause the greasy shininess of unsuperfantasticness.
But no matter what product you use, use it. On the face, the neck, the ears, the hands (remember your poor thumbs) and any other surface of your body regularly exposed to the harsh elements.