Are you saying that we understand the biological effects and their mechanisms for non-ionizing radiation exposure, or that we should be careful because we don't know all of them (specifically mechanisms)?
Ask literally any biologist whether you should expect to be able to calculate the effects on an organism of some stimulus using only physical formulas.
Citation needed.
Seriously, the burden of proof is on you for such a statement.
And be precise, which modulations, which conditions, what effects.
"Certain" and "profound" are filler words in this situation. They mean nothing.
We know pretty precisely how much of a microwave radiation exposure will be absorbed in various kinds of living tissue. We know that the mechanism of absorption is via induced nanoampere currents. We know with certaintly that those nanoampere currents will all end up, finally, as heat.
We don't know all of the effects of the nanoampere currents produced by that absorption, otherwise. We do know that induced nanoampere currents can, under certain circumstances, have profound biological effects.
the only thing they can do is transfer some heat energy to you, orders of magnitude lower than your average light bulb in the office (certainly entirely incomparable to sunlight).