IMO it is nothing more than the emperors new clothes...
UV light has a maximal penetration in PURE water of approximately 7 feet,

During that penetration the inversed square law would apply for every doubling of unit length you 1/4 the intensity.. so from the surface to 3.5 feet down you have already lost 75% of the UV intensity...
Secondly we have to consider the fact that the water we fish isn't pure... as well as containing all kinds of dissolve ionic matter which will further increase the spectral absorption.
The water will also contain a significant quantity of particulate matter, this is where a further physical phenomenon known as Raleigh scattering would become a factor...
Rayleigh scattering - Wikipedia, the free encyclopedia
to cut a long story short the shorter the wavelength (uv is short) the greater the scattering... this would effectively reduce the uv penetration to a neglegable amount...