So why don't you try the laser experiment. Use a 1 milliwatt laser. That's _less_ energy than the light bouncing from your skin. That's nothing. And it's non ionizing radiation. So it's totally safe. Point it right in your eye. See what happens. By the completely over simplified thinking that you are undertaking here you will be fine. Right?
I meant that light bouncing from skin to eye is a proper analogy for banana dose.
But since you challenge me - I shined the usual ~5mW red laser pointers many times straight into the eye, and had strangers shine them at me as well. It's annoying, but it doesn't hurt. My vision is ok. I'm totally fine.