vcsharp2003 said:
I came across an excellent explanation that appears to be closely related to my question at
https://www.quora.com/If-UV-rays-ar...4&share=276a3ba9&srid=2W7O&target_type=answer
Certainly the distribution of energy across the wavelengths is important to the question. The diagram at that link makes it look as though most of it is infrared or below. According to
https://sos.noaa.gov/catalog/datasets/climatebits-solar-radiation/, it's about equal.
But both consider what arrives at the top of the atmosphere. By the time it gets to us, a significant slice of the IR (and UV) has been absorbed in the atmosphere. Also, a chunk of the radiation below visible is radio waves, which simply pass through us.
So as regards answering the question in post #1, the only other piece to the puzzle you need is why the UV can make our skin feel hot later.
But to understand why the visible light does not immediately feel so warm on the skin, it is necessary to go into how those wavelengths interact with our bodies and how we sense warmth.
Surprisingly, perhaps, we do not directly sense warmth: we detect temperature gradient.
That's why I can feel hot at night in an air temperature I would find comfortable in daytime. In sleep, core temperature drops. It also explains the paradox that people who get hypothermia can feel so hot they start taking clothes off.
So maybe the IR is absorbed so readily (by water molecules in particular) that it sets up a sharp temperature gradient across the sensing cells, while the energy from visible light gets absorbed across a deeper layer.