I think they can best protect themselves from sun exposure by wearing protective clothing.
Bringing a child into a situation filled with conflict might be unwise. Even though they've been in a relationship for 20 years, it's crucial for Tony and Elspeth to address their disagreements first. A child could either deepen their connection or exacerbate existing tensions. I hope this perspective aids in formulating your decision.
I consider it a judgment regarding a personal issue.