You write like Stockfish 14 is a probabilistic function from game-state to next-move, the thing-which-has-an-ELO. But I think Stockfish 14 running on X hardware for Y time is the real probabilistic function from game-state to next-move (see e.g. the inclusion of hardware in ELO ranking here). And you probably played with hardware and time such that its ELO is substantially below 3549.
I think a human with Stockfish’s ELO would be much better at beating you down odds of a queen, since (not certain about these):
Stockfish is optimized for standard chess and human grandmasters are probably better at transferring to odds-chess.
Stockfish roughly tries to maximize P(win) against optimal play or Stockfish-level play, or maximize number of moves before losing once it knows you have a winning strategy. Human grandmasters would adapt to be better against your skill level (e.g. by trying to make positions more complex), and would sometimes correctly make choices that would be bad against Stockfish or optimal play but good against weaker players.
Some nitpicks:
You write like Stockfish 14 is a probabilistic function from game-state to next-move, the thing-which-has-an-ELO. But I think Stockfish 14 running on X hardware for Y time is the real probabilistic function from game-state to next-move (see e.g. the inclusion of hardware in ELO ranking here). And you probably played with hardware and time such that its ELO is substantially below 3549.
I think a human with Stockfish’s ELO would be much better at beating you down odds of a queen, since (not certain about these):
Stockfish is optimized for standard chess and human grandmasters are probably better at transferring to odds-chess.
Stockfish roughly tries to maximize P(win) against optimal play or Stockfish-level play, or maximize number of moves before losing once it knows you have a winning strategy. Human grandmasters would adapt to be better against your skill level (e.g. by trying to make positions more complex), and would sometimes correctly make choices that would be bad against Stockfish or optimal play but good against weaker players.