Spoiler alert: SPF is very important (yes, even if you’re spending the day indoors). Whether you prefer a gel, stick or cream-based sunscreen, it’s really not the form that matters as much as the type. If you’ve heard the terms “chemical” and “physical” tossed around, but aren’t sure what exactly they mean, you’ve come to the right place. We reached out to a derm to give us the lowdown on each type of sunscreen, including how to choose the best one for you.