Hi Miranda, I have two of these (one black and one white, and I"m so sad I missed the pink one last year, I kept waiting for it to go on sale and then once it did there weren't any left in my size!).
Anyway, I love love love this jersey. The cut it beautiful, nice and long in the torso. It's actually not accurate to say that it has "a mesh insert in the back" -- the whole jersey is a very lightweight, silky mesh (somewhat open, you really see a white sports bra under the white one, though the black one is fine in that regard). It is very cool to wear even in hot "sleeveless" weather.
I have never burned through it, but I am more of a tanner than a burner. I don't think the risk is much higher than with another lightweight jersey.
You can maybe get a sense of how light the fabric is in these pictures (you can definitely see where my bra ends and skin begins):
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The jersey looks great on you too, btw.
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