To make is simple: The sun light has a mean temperature of the sun surface as can be observed in a sun power plant with focusing mirrors.
The equilibrium temperature of the surface of a body is given by equality of input energy density (1 kW/m²) and convective cooling of the surface. For a black car in Greek sunlight in summer I've measured 110°C on top, the red tail-light plastics becoming soft at the temperature limit for roof lining adhesives :-(
The difference between a metal and and an insulator: metals have a free electron Fermi gas in the conduction band at an mean thermal energy at the Fermi level of roughly 10 000 K equivalent. As Fermions the lower electron states are effectively frozen at temperatures below melting point (~1300 K) and do not take part in diffusive energy transport.
Only a thin layer of electron states are at this Fermi level, where a sharp descent from density 1 to density 0 is in a temperature state in contact with an external body on a small part of the surface.
These facts make clear that the thermal conductivity is practically the same as the electric conductivity in metals.
In the moment you touch the surface you come into contact with the complete body of the electron gas in much the same way as if you touch an electrically charged conducting body.
The difference between the electric shock and the thermal shock is the great difference in electric and thermal conductivity of the human tissue and the fact that the electric charge is proportional to the total surface of the body, electron gas only, while the thermal charge of a metal is proportional to the total volume with the oscillating ion lattice as a very large thermal container.
The electron gas serves as a transport medium only at a not so small fraction of the speed of light. The insulator in contrast transports at speed of sound only.
So the electric shock mainly shocks the conducting nervous system; in contrast the thermal shock burns the skin layer of the hands only because of the low thermal conductivity of the tissue.