cloud cover does not stop the tan, or the burn, makes it worse, because the skin does not get as hot from the infrared, but still cooks with the uv.
I’ve lived in both CA and FL. The CA sun is more dangerous because it is dryer out there so you uncover and bake in it. It feels comfortable to be in the direct CA sun.
The humidity in FL is severe and it amplifies the suns intensity and heat so you either cover up or limit exposure.