Why? The danger of sunlight is ultraviolet. That's only about 4% of sunlight.

Oh and it's worth mentioning that everything around you at room temperature is emitting 400 watts per square meter of infrared. That's almost as much infrared as you get from the sun (1kW total, roughly 4% ultraviolet, 53% infrared, 43% visible).

You're absolutely right, different wavelengths of EMR have wildly different effects on humans, so the comparison falls short that way as well.

Most of them just heat, though. And in terms of heat, you don't need to be "orders of magnitude" below sunlight. It's not exactly hard to have two walls in the same room differ by 100 watts per square meter.

Radiowaves are non-ionizing radiation. Your DNA isn't going to be destroyed from anything below UV. Local heating from RF absorbtion might cause issues for certain biological functions but local heating can come from things like a warm laptop sitting above your crotch and reducing sperm count via heat. You need a lot of RF power to cause local heating though, think on the order of a microwave oven, not what a typical phone puts out.