Cell phones put out about 1000 times less power than your 100w ham radio. Which in itself is not enough to cause ocular heating damage unless perhaps it was within inches of your eye, I have never seen a case of it caused at that power level please point me to citations.
Remember these are omni radiators only a small fraction of the 100w ham radio power would strike your eye even inches away and it would fall off with the inverse square law.
Putting a 100w lightbulb against your eye would also cause damage or a 1 watt laser both due to ocular heating. This is all about the amount of wattage absorbed by your body tissue which is why exposure levels are rated in watts per kilogram, the more tissue the more power it takes to raise that tissues temperature to damaging levels. This is a why a focus laser with little power can cause damage vs a omni directional light or radio source.
Radio waves are much lower frequency and therefore the ONLY KNOWN mechanisms for biological activity is thermal but you seem to dispute that.
And yes it is true you will not get significant ocular heating unless next to a high power radio tower. This will not occur a 100w ham radio levels as you said and certainly won't occur from cell phones 3 orders of magnitude lower than that.