That isn't how sunscreen works. If you put SPF 50 on and spend 8 hours in the sun you're coming back a lobster.
Say you burn in 5 minutes. SPF 50 means you burn in 250 minutes. But it's more like 100% protection for 245 minutes and then 0% for the last 5. It's not a steady cooking at 2.5% intensity.
Got any source for that? Everything I can find (and the intuitive explanation of it) points to the opposite: SPF is how much of the UV blocks, not at all how long the sunscreen stays on your skin (which varies wildly with what you're doing).
That's my entire point. The way they generate SPF measures how much of the sun it blocks in the lab shortly after it's applied. That one blocks 97.5% and another 98% is meaningless for the real world.
Say you burn in 5 minutes. SPF 50 means you burn in 250 minutes. But it's more like 100% protection for 245 minutes and then 0% for the last 5. It's not a steady cooking at 2.5% intensity.