I was researching before posting and I think I saw something like 40% in a paper, which is much more than the naive 25% you’d get at 2au.

But for things like heating, latitude makes a big difference. I did some calculations for a fanfic I wrote, and at a moderate 30°N or so, you basically get the same insolation as Rovaniemi in Finland assuming similar atmospheres. No wonder those characters never got sunburns.