Sun protection factor 7 is quite a lot; it means only one seventh of the UV rays reach the skin, which is less than 15 percent.
Personally, I seldom (if ever) hear it used how you’re describing.
Whether or not that is a useful distinction is subjective.
I think it’s fair to say that hardlining a correct vs. incorrect distinction with how literally is used today is mostly pointless.
I guess a silver lining (not literally, of course) is that you're at least aware of the difficulties - good luck!