A “regular” cotton shirt doesn’t provide much SPF.
https://www.skincancer.org/prevention/sun-protection/clothing/get-in-on-the-trend
I’m a HUGE rash guard advocate but I do agree they’re hotter than normal shirts if you’re just playing in the sun. You may want to consider an SPF shirt if you’re trying to actually protect from the sun and don’t want to put sunscreen on their arms.