Has anyone actually mastered the art of temperature-controlled deep sleep without breaking the bank?

I have been spiraling down the rabbit hole of thermal regulation lately. My Oura ring data was looking tragic, so I pulled the trigger on a cooling mattress pad last month, and honestly, the difference in my deep sleep percentage is wild. I went from averaging forty minutes a night to nearly an hour and a half just by dropping the surface temp to sixty-five degrees. But here is the thing: the noise from the unit is driving my partner absolutely up the wall, and the electricity bill is starting to look like a small mortgage payment. Is there a way to achieve this kind of physiological optimization without turning my bedroom into a literal server room? I’ve toyed with the idea of DIYing a passive cooling setup, but I’m worried about moisture issues. Has anyone here found a low-tech or budget-friendly alternative that actually moves the needle on recovery, or are we all just destined to be dependent on expensive, loud gadgets for the rest of our lives?