We directly use a miniscule fraction, indirect use is quite a bit higher since that is used delivering ecosystem services we depend on.
Then there is the question of how much of that potential we want to turn into waste heat inside the atmosphere, which is more governed by how much radiative cooling we have rather than how much energy is incident or available on the earth.
I think that humanity would be limited by pollution and ecosystem destruction before energy for most human scale material wealth. The bit where it becomes tricky is energy does change what how easily and fast you can do things, which may place enough of a real world limit.
It would seem you are still just thinking about the human controlled portions of the ecosystem and not including all the energy used to drive to water cycle etc.
Then there is the question of how much of that potential we want to turn into waste heat inside the atmosphere, which is more governed by how much radiative cooling we have rather than how much energy is incident or available on the earth.
I think that humanity would be limited by pollution and ecosystem destruction before energy for most human scale material wealth. The bit where it becomes tricky is energy does change what how easily and fast you can do things, which may place enough of a real world limit.