"Sunscreen at home too?"... Am I the only one who hasn't been applying it until now?

I have always prided myself on taking good care of my skin, but I am posting this because I have recently developed a major concern.

Until recently, I believed that I only needed to apply sunscreen thoroughly when I was in direct contact with the sun, such as when hiking or going out in the scorching heat of midsummer.

However, after reading beauty forums and related posts recently, it seems that applying sunscreen has become almost the standard practice, not only on cloudy days but even on days when you stay indoors.

The logic is that ultraviolet rays (UVA) entering through windows are the main culprit of aging, so there is no exception even at home; however, when I actually try to put this into practice, a few questions arise.

Actually, I really want to give my skin a rest at home.

I feel like wearing sunscreen all day might make my skin feel stuffy, and I also find it bothersome to double cleanse when I haven't even gone out. On the other hand, I'm anxious that if I miss out on the skincare routine everyone else does, I might regret it later when I develop freckles or blemishes.

Is there anyone who actually makes sure to apply sunscreen every day, even at home?

I am wondering if there is really a noticeable difference in skin tone or preventing blemishes when doing that.