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It is. Sunscreen recommendations usually also applies if you plan on staying in shade. UV (like visible light) reflects off of walls too.

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It’s actually much more that the ozone layer, which filters uv, is much thinner than it was even 60-70 years ago. The ozone layer might be growing again, but at a very slow pace.

Simple fact is, we’re much more exposed to uv than prior generations.

"much" more might be overstating it? We get about 6% more UV:

https://www.sciencedaily.com/releases/2010/03/100316142529.h...

Which corresponds with the ozone layer being about 5% thinner:

https://www.clo.nl/en/indicators/en021819-ozone-layer-1980-2...

Not good (or good for us) but also not a huge huge change, since we stopped the thinning of the ozone layer mostly in time.

actually the reflectance of UV is usually much lower than visible light.

https://www.nature.com/articles/s41598-021-01315-1/figures/2

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