I think you missed what DaveB was saying, which is that the alleged "very toxic and harmful" ingreedients the OP says are in common sun screen at not toxic and harmful at all.
Except in high doses in lab rats.
Some people are frankly scared of (OMG!) Chemicals! and Chemical Names! And there is a limited set of peer-reviewed studies and scientific journal articles that indicates there may be some problems.
My personal opinion is that the risks of severe sunburn and skin cancer far outweighs the risk of sunscreen and sunblock indicated by these studies. (And further, if we started publishing systematic chemical names to phytochemicals and antioxidants found in natural food, we'd start a trend of people who are afraid of the names starving themselves to death. Or maybe gorging on Twinkies.)
Hijacking this thread ever so slightly: can someone who's used long sleeve sunblocking clothing describe what it's like riding in 90 degree weather with 70% humidity at noon? That kind of riding in Kansas, Missouri, Alabama, and Tennessee leads me to sunscreen and the thinnest, lightest, short sleeve or sleeveless jerseys I can find.