That's a great question. The answer is, the stuff you are reading in this thread is not right (you figured it out). The real version of the story is, there is this thing called the "Christoffel symbol," which tells you where, at every point in space, you would end up if you went in a certain direction, including which way you would be facing if you went that way. It relates three vectors: your direction of motion, the direction you are currently facing, and the delta to your direction of facing that would result from taking that direction of motion.

If you let your current momentum be your direction of facing, and let the same momentum also specify your direction of motion, the Christoffel symbol tells you what your momentum vector would be after an infinitesimal amount of motion. This can be integrated to find the version of a straight line appropriate for a curved surface (imagine an ant walking straight forwards on the surface of a cone or something), a geodesic. A changing momentum is like a force is acting, so that's gravity.

There is more to learn than that, of course. Many many many books have been written about general relativity and you can read them.

With QM there’s no pure point particles.

A point particle? You mean that useful mathematical approximation for excitations in a field?

Light has nothing to do with this.

The point is that mass bends space-time. The amount of bending is dependent on the size of the mass and on the distance from the mass. Even though the Sun is incomparably heavier than the Earth, it is also MUCH farther away from you. So, space-time around the Earth is curved much more towards the center of the Earth than it is towards the center of the Sun. In the mattress analogy, consider a large mattress, with a bowling ball and a car sitting on it. The car will obviously bend the mattress much more, but if you're close to the bowling ball, you'll still fall towards the bowling ball first before both you and it fall towards the car.

So, say you're in an airplane moving directly forward, with the Sun just overhead (and the Earth obviously just below you). The Earth curves spacetime towards it a lot in this area, while the Sun curves it towards itself just a little bit. The overall curvature is such that time still moves more for the bottom of the plane (closer to the Earth) than the top of the plane (closer to the Sun). So, the bottom side moves a little slower than the top side, but the structural integrity of the plane pulls the top side towards the bottom, causing a slight motion towards the Earth - gravity [note that the GP's explanation got the signs a little wrong - time flows slower, not faster, closer to a big mass]. Conversely, if the Earth disappears from the picture and only the Sun remains, now the top part of the plane will move slightly slower, pulling the bottom part towards it, and thus towards the Sun.

If a particle was dropped into the sun’s gravity (not with “horizontal” motion that might cause it to orbit), is it time dilation that causes it to accelerate toward the sun somehow?

You always have to define stationary when it comes to relativity.

There is no way to have a “zero speed orbit”. You’d be on a trajectory straight in to the middle of the sun or away from it (under your own power). The only way to stop is to push away with equal constant acceleration (which looks like “force”). This is what rockets do.

I believe that is correct.