Haven't worn it in the sun yet so can't comment on how effective it is as a sunscreen. But as far as fit goes, I'm glad I'm my size. I would say that given my measurements most people would choose a medium size, but I went up a size because I wanted a looser fit. So at my measurements 5ft 7in (approx): chest 34in, waist 30in, hips 38in, the shirt looks just like it does on the model. When fully undressed, it reaches about mid-thigh. Long enough to be worn as a dress, about the length of a tennis dress. I know some reviewers didn't like how it looked when the sides were gathered, but I actually like that the ruffles look better than fully undressed. If you don't stack everything at the top (or bottom), but spread it out along the length of the page, then it will look great! The remaining thread is long when pulled together, but tying the ends into a large bow keeps it looking normal and adds to the look in a positive way. The sleeves are the perfect length, long enough to cover most of my arms. This material is very similar to regular rashguard fabric, so it's a bit heavier compared to other types of overlays.
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