"Think that T-shirt protects your kid from UV rays? Think again. A white T-shirt has an SPF of about 7, but once it gets wet, SPF drops down to about 3, according to the Skin Cancer Foundation."
That statement, at least without any qualification, is distinctly at odds with the table shown below it in Owen's post. I take it with a huge grain of salt, like most everything that particular Foundation says. If that statement were true, we wouldn't have terms like "tan lines," "farmer's tan," or "redneck" in our language.
Here's another one from their website:
"Who Should Use Sunscreen?
Anyone over the age of six months should use a sunscreen daily. Even those who work inside are exposed to ultraviolet radiation for brief periods throughout the day, especially if they work near windows, which generally filter out UVB but not UVA rays."
Source: http://www.skincancer.org/prevention/sun-protection/sunscreen/sunscreens-explained
They actually say that *everyone* should wear sunscreen *every day* even if they are indoors all day because–horrors–some buildings have windows. That borders on asinine and leads me to almost dismiss everything they say. I give them the same deference I give to the nutrition "experts" who, after two decades of telling us to get the fat out of our diet, are now having to watch the health disaster that is 20 years of insulin spikes. If I were a betting man, I'd wager that slathering 3 oz (the Foundation's approximate recommendation) of sunscreen on your skin 365 days per year will ruin your health a lot faster than the moderate amount of sun you'll get just by not living underground.