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Many materials like cotton will let sunlight through quite readily, especially when thin or wet. A sun hoodie has 50+ UPF. A cotton shirt that has a similar low thickness will have a mere 5 UPF, making it basically worthless for sun protection. Sun hoodies also often sport features like vents to catch breezes.
Interesting! I’ve never burned though a shirt but perhaps I’ve been lucky. Maybe I do need to invest in one of these…
It might just depend on the UV index where you’ve been outside. If you’re in a high latitude area, you’re not going to have that much exposure through all but the thinnest of cloth.