Regular CR39, (standard index plastic) blocks around 40% UV, uncoated. Polycarbonate will block 100% UV without any coatings. Higher index plastic have poly in their formula and it's safe to go bare surface, 1.6, 1.67, premium lenses for moderate and increased protection.
I am out of the loop, but dispensed 1000's of spectacles in my earlier life. It was and still is common practice to offer as much add-ons to create a higher commissioned sale. ( I never did well in those situations, sporting a conscious.)
Anti-reflective coating offers UV blockage, which is near 100%, but may vary with the brand used.
You also have to remember, the light shining on your eyes is not all coming through your corrective lenses. The gaps above, below and from the sides all have the room for UV rays to reach your eyes.
(Hope this helps.)