Hoping you more experienced pearl lovers can give me your feedback on using lotion/sunscreen when wearing pearls. I always let it dry-down for at least a half-hour, and always follow the "last on, first off" rule. My neck and chest get so dry and sun-damaged, I am afraid to go without the sunscreen, but have seen many mentions of the harm to the pearls. I would appreciate any opinions or suggestions on this. Thank yoU!