Sorry I am getting in on this so late . . . I don't come here as often anymore. Anyway, check out this thread:

http://forums.teamestrogen.com/showt...ght=protective

I've worn the REI SPF tops that I mentioned underneath regular short-sleeve jerseys. Also wear alone when I don't have a need for a back pocket. Works like a charm in both cases. My Boure jersey is still going strong as well.

I have not yet gotten the CW-X lightweight tights (I tried to order them, but they were out of stock). I'll have to try again . . .
http://www.cw-x.com/ss/products/wome...ights_features

However, I did get the heavier weight running tights for winter and they were great for both cycling (with chamois shorts underneath) and running.
http://www.cw-x.com/ss/products/wome...ights_features


I think it's already been mentioned, but remember you can still tan/burn through clothing (depending on weave and color). Here's some good info on that:
http://www.skincancer.org/prevention/dress.php