I adore this: http://www.teamestrogen.com/prodDE_CW7.html

Works great with tank tops (and yes, it really is just about as cool - I really don't like HOT sun on the skin directly). I wore one on the MS Ride last year - 105 degree heat index. I got some strange looks, but I DID NOT get burned (except for a small stripe between the sleeves and the gloves)

I need to order a 2nd one, so I have one to wear while the other is in the wash.