Specific heat (c) is important. In particular, c of water dominates over that of the dry ingredients (wheat, milk fat), so the relative water content of the bread vs. cheese (approximately 20% vs. 85%) gives you an immediate clue to which will burn you. Also important, and not mentioned above, is the latent heat of fusion of the cheese.
We can look up the following values for specific heat:
c(bread, 36% water content) = 2.9 kJ/(kg-C)
This bread (the only value I could find) is very moist, 36% is a soggy dough. For a crispy pizza crust, let's assume 20% water content so c drops to 2.6.
c(whole milk) = 4.1 kJ/(kg-C)
Cheese has more fat than whole milk, but fat has a low density compared to that for water so the whole milk value will be quite close.
Latent heat of fusion of milk fat = 84 kJ/kg
Now we can calculate the heat energy Q given up to your mouth in cooling the pizza from, say, 90C to skin temperature 37C. Assume that all ingredients were evenly heated, the cheese transitions from molten to solid somewhere around 45C(?), and that a 50 g bite of pizza is divided evenly into 25g bread and cheese.
Q(bread) = 0.025*(90-37)*2.6 = 3.4 kJ
Q(cheese) = 0.025*[(90-37)*4.1 + 84] = 7.5 kJ
The cheese gives up twice the heat of the bread. Ouch!