> The daylight is orders of magnitude stronger but you have no problem with it because your eyes adapt.

It turns out bodies don't all respond the same way to the same stimuli. Sunny days cause me real pain. A thin layer of ground fog with bright sun above it is brutal for me, as is bright sun with snow on the ground. I feel so much more comfortable outside on a dark, cloudy day. My eye doctor tells me she frequently hears the same from others. Each of us has a different response curve to light levels.