Got any source for that? Everything I can find (and the intuitive explanation of it) points to the opposite: SPF is how much of the UV blocks, not at all how long the sunscreen stays on your skin (which varies wildly with what you're doing).
That's my entire point. The way they generate SPF measures how much of the sun it blocks in the lab shortly after it's applied. That one blocks 97.5% and another 98% is meaningless for the real world.
