Interesting. I'm also in New York (Queens) and witnessed something similar to what you described during the recent partial solar eclipse. When thick clouds rolled by on the partly cloudy day you could easily see the black disk of the moon over a portion of the sun with the naked eye. Both appeared as distinct/clear disks through the passing clouds. An amazing sight.
Looked something like this...
Yeah I watched it at Stony Brook University. Brought 2 welding masks and a few cardboard glasses. The wife was outside with some of the chemistry department people who made those box camera things to watch the reflected images. Most of them enjoyed my toys better. Though some of the cameras were pretty well made. No clouds or fog out there.
One of my sons drove down to Tennessee (or someplace like that) to watch in totality. He got some nice pix.