This kind of SPF fatalism doesn't really make sense to me. There's absolutely no reason to quantize sun damage into "below burn time" and "above burn time." Damage is dose-dependent. Even burns come in different classes at different exposure durations; and maybe you'd prefer to get, you know, 30 seconds unprotected equivalent of sun damage instead of 3 minutes equivalent, at the same re-application interval.

If someone can make a true SPF 200 economically, it's valid for consumers to prefer that to a true SPF 100 or true SPF 50.