I just found some not-too-expensive UV protective clothing at a local sporting goods store (Gander Mountain?) It was a bit cheaper than the stuff from LL Bean (and a lot cheaper than the Columbia brand stuff.) Kind of cute shirts, both short and long-sleeved (not sure why you'd wear a short sleeved shirt if you're trying to cover up, though!) I bought one, but am thinking of going back to get a couple more so I can rotate them this summer. I'm hoping that'll make it easier than greasing up every time I have to go out.
"If you trust Google more than you trust your doctor than maybe it's time to switch doctors."