You're in good company.....
I found Rit Sunguard (a powdered product in with Rit Dye) to be a godsend - I put my summer cover-up-shirts and light sweaters in it and then know that I have the spf I need. Washes in, lasts for 30 washings, per their label. The fancy sun-protector clothing is so nice to look at....but the prices!!!!
I'm covered head to toe year round. I miss wearing the nice skirts that brushed my knees - but the sun on my legs, even with nylons....nope.
Cotton and now the new bamboo products are so soft on the skin - I still wear bras but find I've switched to the comfiest I can find - which translates to breathable cotton....
Shoes? Comfort first. I find DSW's sale rack a good thing - flats only, and rubber soled only. I've been lucky - the one near here has a good selection of wider ones that still look relatively nice.
The one piece I have fun with? (no need to guess hard here) My hats.
~"I find hope in the darkest of days, and focus in the brightest. I do not judge the universe." (Dalai Lama)