I live in Seattle, not to far from you. You keep saying that our climate is getting hotter and hotter(which it is), but in comparison to my hometown(mojave desert) it's not bad. Anyways, besides the point.
You seem to say the "experts" say you need your night time temps at 66F. Is this coming from articles, videos, research papers, or is this coming DIRECTLY from the doctors?
The reason I'm asking is because if there is a direct request from the doctors, and not you just trying to optimize your body(like I do with nootropics), then just bite the bullet and keep chugging a long. Theres many different designs out there, but your not willing to pay for them, so keep what you have and continue to save until you can afford a cheaper operating solution.
IF you are just trying to optimize yourself, then you are honestly taking things a bit far. 66F is incredibly cold for an ambient temperature. Yes research shows that your brain removes more toxins at lower temps while sleeping, but what research ALSO fails to show is that the planet has over 7 billion people in it, and of those 7 billion none of them are REQUIRED to sleep in temps of 66F.
Also if its regarding make you perform better for your daily life, then think of it this way, theres something like 30-50 million+ people in the world who are considered millionaires, so its obvious that you dont have to sleep at this temp to gain more wealth. In fact, sleeping at this temp just might cost you some wealth by over spending in areas that are not needed.
I dont mean to be "mean", however you seem very dead set on not changing the temps. You should be open to the peoples suggestion of sleeping at higher temps. Everyone who has AC who tries to transition out of AC has the trouble of "its too hot to sleep without AC", but given a month or so, you'll become used to it.
Try increasing the temp by 2F every 3-5days until you hit around 75F. Turn a fan on and have it blow on you. You probably dont realize but as these devices operate at lower and lower temps, the less efficient they become. The reason I suggest using a fan is because theres something called the "wind chill effect". I'm sure you've heard it and know about it. The movement of air makes it "feel" cooler than it actually is. Fans consume FAR less energy than a cooler itself, so keeping a room at a higher temp and running a fan will be FAR more effective.
Secondly you seem to say your bedroom is south facing and street facing therefore you can't have a window unit which introduces security problems. You can have a window unit and have it be just as quite and secure. You just choose to not have it. Window units can be locked in place, just as people have described. You can continue to use a wood rod in the window for added security to prevent window from opening even further. You do realize that someone can easily throw a rock, brick or something hard at your window to enter your home right? A piece of 1/2inch thick plywood is ACTUALLY SAFER. You can also heavily insulate the shit out of the plywood so heat wont be a problem.
Since you seem pretty rude about "not moving your master bedroom to a different side of the house", why don't you go out, but a piece of sun shade and tarp, and create a giant ass "cover" to cover the south side of the house? The sunshade would be used on top of the tarp, with a gap between the two. The sun shade will cut thermal transmission and the tarp with further block out light preventing you from having to see traffic and fear for your home being broken into. The problem you are having for the room heating up is because your letting the house bake in the sun. You need to cut down the thermal transmission onto the entire side of the house, not just the window.