I live in North America and use full sleeve sun hoodies for hiking in the summer. I sweat a lot but these hoodies are breathable enough that it doesn't bother me. So I need to apply sun screen only on my palms and fingers. And paired with a wide brim hat, I can get away with applying sunscreen only to the lower part of my face and neck.

Applying sunscreen to your palms? And if your still applying it to "the lower part of my face and neck" what's the savings from doing the upper at the same time (plus this will get your palms & fingers too, if that's your jam)?