Being of Balkan descent, born in Italy, and mild olive skinned, I find the best way to not burn is to allow a slow tan to occur. In my natural color, most people peg me as having Greek heritage. When I tan, most people see me more as Mexican or Latin heritage.
The neck is easy to protect with a large bandana attached to your hat or tied around your head so that it overhangs your neck. Loose shirts with a sleeves take care of the arms. Sunglasses for the eyes, and if you haven't had a chance to develop a gradual tan or are sun sensitive, the only thing you will have to put protectent on is your face.
Bountyhunter