Just some of thoughts that I would like input please. This is just a thought experience.
Since a Familiar Satchel provide full cover and it is debatable if a fireball will affect a familiar within the satchel. I think from all the forum readings, that a fireball can go through corner, so a (full cover) tower shield or a wall won't protect you. So if I get a full Burka with the same material as a familiar satchel, does a PC get anti-fireball full cover. I know full cover goes both way, but some PC is ok with that.
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Some things:
Fireball is a spread, so it can affect areas behind cover if there is a path from the origin around the cover to the area in question and the distance along that path is 20 feet or less. A tower shield or wall might protect you if it lengthens the path from the origin to you beyond 20 feet.
You are correct that in theory a fireball could enter the air holes of a familiar satchel. However, if someone is carrying the familiar satchel, that satchel is considered attended, and thus it and its contents are unaffected by area spells unless the bearer rolls a natural 1 on their saving throw and the random roll for what gets affected by the spell includes the satchel.
There are no stats for a burka in Pathfinder RPG AFAIK, but if there were it'd be clothing. Wearing clothing out of the same material as a familiar satchel does not impart the qualities of a familiar satchel on the wearer.