As with all toxicological issues, the dose makes the poison

I have not read the research on oxybenzone specifically but “endocrine disruptor” tends to be a favorite claim for folks making unsubstantiated claims that some cosmetics ingredient is actually hazardous, and that need to be afraid of it

I don’t know if theres a meaningful body of evidence to suggest that there are potential health problems caused by it, I would be curious to see if I can find a meta analysis on the subject, or at least systematic review so I can get a sense for the consensus, but I do find myself generally being skeptical of just about any claim that something used topically is a endocrine disruptor, since it feels it almost always turns up to be a distortion of facts when you go digging into the consensus presented by the research