The fact that it's mixed in with the cheese probably helps immensely.
A little, but the cheese is about as hot as full power habanero. I can't eat it straight.
Point is, it's still not as bad as getting raw habanero juice on your skin or under your nails.
Point taken, but having made habanero wing sauce from scratch (I used to manage a sports bar,) I honestly didn't think people reacted that way to it. I've had habanero juice under my nails, in cuts on my hands, and in my eyes (that's fucking painful, by the way.)
Huh. You might just have a higher resistance to it.
Like, the spiciest thing I can handle is this honey-chipotle sauce made by a restaurant in town, and even then I have to take frequent breaks in order to have a drink. You must be on the opposite end of the spectrum.