People have hit on some things here, but not the most important thing. What we call heat is not a single thing. There are three different types of heat energy that have different properties. Inside, we almost exclusively have access to the least efficient type (IR-C). Outside in the sun, we experience almost entirely IR-A and IR-B, both of which are much more efficient at penetrating the skin, so it heats us much more deeply. As a result, we feel much warmer in the same temperature in sunlight than we do indoors.
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