Your bullet analogy applies in the sense that the bullet is analogous to the macroscopic thermal "damage" caused by lower frequency, longer wavelength microwave radiation, while the higher frequency, lowershorter wavelength electron beam is analogous to the microscopic ionization "damage" caused by x-rays at the atomic level.
For an extensive discussion of the interaction of radiation with matter, I recommend the following site:
http://hyperphysics.phy-astr.gsu.edu/hbase/mod3.html
Hope this helps.