Hey lady...hope you don't mind me putting in my 2 cents here...but I have had so much trouble with my neck & chest area lately, I thought I would give you some unsolicited advice...hope that's OK.
I saw your post about not liking makeup because of the "ring" between the face & neck. I remembered before when we spoke, that you & I both use mineral makeup also.
My neck/chest has
WAY more sun damage than on my face...and since I have always put whatever moisturizer & sunscreen that I use on my face, on my neck area also, I think that the makeup that I put on my face gave me an xtra barrier and protected it more. Now my neck area is much more sensitive than my face & I am having to use different products on it. So, if I may be so bold...I would suggest using the bare minerals also on your neck/chest. It has sunscreen in it also...or at least use a much stronger sunscreen on your neck area than you use daily on your face.
Although my neck has looked more pigmented for years....it still crept up on me & this sensitivity thing just started now that I'm 51....would hate for you to make the same mistake I did.
MsBee