Do I have to apply sunscreen even indoors?

Lately, as I've started paying a little more attention to my skincare, I'm also trying to apply sunscreen every day.

However, since I spend most of my time in the office or at home and rarely go out, I suddenly wondered if I really needed to apply it.

I've heard many people around me say that you must apply sunscreen even when indoors because UV rays coming through windows also affect the skin.

On the other hand, there is also an opinion that you don't necessarily need to apply it on days when you rarely see sunlight, so I am confused about which statement is correct.

Even after searching, the explanations vary slightly from expert to expert, which makes me even more conflicted.

I'm worried that applying it every day might be a burden on my skin, but on the other hand, I'm concerned that I might regret it later if I don't apply it.

I am curious if people who spend a lot of time indoors apply sunscreen every day.

It would be very helpful if you could share your experience, such as whether you have noticed any changes in your skin while continuing to use it, and whether you reapply it.