As a very fair skinned person, this suggestion is laughable. Clothes and a hat are not an alternative to sunscreen, you just can't get the protection coverage that you can with lotion.
There are clothes marketed as 45 or 60 UPF and even blue denim jeans supposedly are equivalent to 166 SPF.
Wearing long sleeves, long pants, and a wide-brimmed hat and shoes it seems like sunscreen would only be needed for hands and neck. https://outdoors.stackexchange.com/a/1238
Not practical for swimming unless you’re wearing a wetsuit of course but depending on weather conditions I do find long sleeves, pants, and a good hat can be practical for outdoor activity like hiking instead of sunscreen everywhere.