Infrared-visible image fusion quality is critical for nighttime perception in autonomous driving and surveillance but suffers severe degradation under extreme low-light conditions, including irreversible texture loss in visible images, thermal boundary diffusion artifacts, and overexposure under dynamic non-uniform illumination. To address these challenges, a Decomposition–Disentanglement–Dynamic Compensation framework, D3Fusion, is proposed. Firstly, a Retinex-inspired Decomposition Illumination Net (DIN) decomposes inputs into enhanced images and degradative illumination maps for joint low-light recovery. Secondly, an illumination-guided encoder and a multi-scale differential compensation decoder dynamically balance cross-modal features. Finally, a progressive three-stage training paradigm from illumination correction through feature disentanglement to adaptive fusion resolves optimization conflicts. Compared to State-of-the-Art methods, on the LLVIP, TNO, MSRS, and RoadScene datasets, D3Fusion achieves an average improvement of 1.59% in standard deviation (SD), 6.9% in spatial frequency (SF), 2.59% in edge intensity (EI), and 1.99% in visual information fidelity (VIF), demonstrating superior performance in extreme low-light scenarios. The framework effectively suppresses thermal diffusion artifacts while mitigating exposure imbalance, adaptively brightening scenes while preserving texture details in shadowed regions. This significantly improves fusion quality for nighttime images by enhancing salient information, establishing a robust solution for multimodal perception under illumination-critical conditions.