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I have never understood people who have convertibles and then wear hats and drive with the windows up.
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Ah, invincible youth! The reason for the hats is skin damage from the sun. All the reports you've heard about skin cancer are true.
Please use a wide-brimmed hat and a lot of sunscreen while driving with the top down and save the hatless times for early mornings, late afternoons and evenings. Trust me -- when you are approaching 60 as I am, you be glad you did, although your dermatologist will be disappointed.