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Where I live in summer I regularly get days with UV index above 15.

If you burn in 15 minutes under UV index 6 on the worst days that I've seen you'd burn in 5 minutes. So a SPF of 60 is as useful here like an SPF of 20 is wherever you live.

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Jesus H Christ, UV index of 15? I thought the 12 we see in the middle of Texas summers was bad. I've burnt in 10 minutes through a windshield with that.

The UV index in the southern hemisphere goes a lot higher than anything you experience up in the northern hemisphere. Do yourself a favour and go have look at the UV index on a hot summers day in Sydney in January.

For example today in sw Australia in late winter/spring it's a uv index of 5.

Summer time it sits at 13+ at noon on a clear day.

https://www.bom.gov.au/climate/maps/averages/uv-index/?perio...

In the risk of not picking up your hyperbole, I did think the windshields block UV and thus you cannot get sunburned through them.

In new vehicles, yes.

The protection factor from that degrades over time / with exposure, too.

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