KISS (Keep it simple, stupid).
Nix the vitamin C. Unnecessary, evidence is not great, marginal benefit if it does work.
And don't use a retinol on your face every morning, it's for use at night--it makes you more photosensitive and prone to burning. Cheapest is OTC adapalene gel. Pea-sized amount to whole face every night. Costs like $25-35 and one tube lasts me at least 2-3 months.
Every morning wear a sunscreen. Anything by Cerave, Eucerin are on the cheaper end, non-comedogenic, and generally texturally pretty well-tolerated.
EltaMD is slightly more expensive but I think more cosmetically elegant. Their facial sunscreen is fairly reasonable.
Tizo is a great one that's more expensive and even more nicer to put on.
If you tan, I'd recommend a tinted sunscreen, make sure the ingredient label has iron oxide. From cheapest to most expensive:
Cerave Hydrating Mineral Sunscreen SPF 30 Face Sheer Tint: https://www.amazon.com/CeraVe-Sunscreen-Hydrating-Mineral-Titanium/dp/B07YLKXV11/ref=sr_1_2?crid=7TC0Y5WSC01L&keywords=cerave+tinted&qid=1672965431&s=beauty&sprefix=cerave+tinte%2Cbeauty%2C106&sr=1-2
EltaMD UVClear tinted sunscreen: https://www.amazon.com/Sunscreen-Broad-Spectrum-Acne-Prone-Dermatologist-Recommended-Mineral-Based/dp/B00ZPWR0N8
Tizo3 tinted primer/sunscreen: https://www.amazon.com/Sunscreen-Spectrum-Antioxidants-Fragrance-Free-Dermatologist-recommended/dp/B00YHMQDC6/ref=sr_1_5?crid=26PP28EUIEU5J&keywords=tizo+tinted+facial+primer&qid=1672965509&s=beauty&sprefix=tizo+tinted+facial+primer%2Cbeauty%2C93&sr=1-5
I'm a extremely pale and cannot tolerate much sun at all. I've found TIZO 3 Tinted Face Mineral SPF40 to be the best, hand down. It isn't greasy, it's very safe for sensitive skin, won't clog pores, and it works extremely well....better than many I've tried that are 80 or 100 spf. A little also goes a long way. It also works as a primer if you wear makeup.
I wear it daily and have used it at the beach and festivals and never burn with it. It doesn't sweat off much at all, meaning one morning application tends to last all day.
For the rest of your body use the sun guard rash shirts and other protective clothing. If you wear a smaller womens size sometimes girls large/xlarge fit and getting them can save a lot of money.
I also tend to carry a parasol or umbrella with me everywhere during the day for shade (you can get super cute ones or just use an umbrella....many protect against the sun and uv). I like that better than hats, but large hats are also an option. Seek out the shade whenever possible and remember if you're going to be by water you'll need even more protection.
And try to just avoid being outside during the day when possible. Embrace the vampire night life 🧛♀️ 🦇 lol