Not only the UV protection, the rash guards, IMO, are less stretchy and are less likely to get air pockets/bubbles under the shirt which are a pain in the water. I've worn both, including a dri-fit shirt when I didn't have a rash guard available. The dri-fit shirt is more stretchy and adds a bit of drag when swimming. The rash guards are less stretchy and a lot more comfortable in the water. If I have a dri-fit shirt, I often just take it off and swim without it and then put it back on when I get out of the water because it will dry fast.
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