I'm from the Northeast also, and I can tell you that sun is much stronger in CR than at home. The way it was explained to me once is that CR is much closer to the equator so the sun is much stronger.
One time a few years ago, I spent about 6 hours in the pool in Guanacaste, and I didn't put sunscreen on my head. I didn't feel it at the time, but at the end of the day, the scalp on the top of my head was burned tomato red and it hurt like hell for a few days.
My suggestion: at the beach use sunscreen, and if you will be in direct sun, make sure you get sunscreen on your scalp. And in Jaco, it's 90-100% humidity so you will be sweating a lot, keep that sunscreen handy.
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