I literally studied metallic sunscreen in university lol. Zinc and titanium sunscreens do settle because the particles are large, "invisible" nanoparticulate sunscreen (often not labelled because aus regs work on mean size not range) has particles that stay suspended because of Brownian motion and accumulate in fish embroys and fuck shit up in corals and bivalves (at least).
Organic sunscreens (the oily kind common because nobody wants to look like a custard pie hit them) are toxic to shitloads of marine life.
https://www.sciencedirect.com/science/article/pii/S0025326X2500102X
https://www.sciencedirect.com/science/article/abs/pii/S0025326X26004108
https://link.springer.com/article/10.1186/s12302-021-00515-w (indicates that organic evidence has become murkier since I studied)
If you're gonna be smug and condescending at least have the decency to be right
There's even an environment effects section on wikipedia. This shit is mainstream https://en.wikipedia.org/wiki/Sunscreen
edit: also the article is not spending much time on the scandal and instead dicussing how SPF inflation is a marketing gimmick and more important is proper and regular application (why people keep getting UV damage)