All absorbed light gets turned into heat, infrared or otherwise (I'm not sure why you brought up IR?); solar panels catch some of that spectrum. I'm not sure what argument you're trying to make here, particularly given the second paragraph seems to contradict the first; "extra heating effect" (from where does this "extra" come from?) vs "you could say they move heat if you like" which yeah, not really about what I like, that's just how physics works, can't get any more fundamental than the law of conservation of energy.
You said that AC/heat pumps "generate" heat and if they were powered by fossil fuels, in an roundabout way they do. But if they're driven by solar, there's no long-trapped energy being expelled and therefore no "extra" energy added to the system beyond what the sun is providing.
Yes, for a time, there is a temperature difference between indoors and outdoors. Air conditioners push heat outside. But they reach equilibrium eventually. (At night, or I suppose in the autumn).
Similarly heat pumps (which is what air conditioning is) also push cold outside when you use them for heat, so the outdoor environment is colder than it would otherwise be, again until equilibrium is reached.
Similarly your refrigerator is cold inside but makes your home warmer.
My point was just that the -net- heat added to the city is zero if you’re using solar.
You said that AC/heat pumps "generate" heat and if they were powered by fossil fuels, in an roundabout way they do. But if they're driven by solar, there's no long-trapped energy being expelled and therefore no "extra" energy added to the system beyond what the sun is providing.