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I would hardly run the AC if the hottest it got in summertime in Oklahoma City was 90°F. But last year, we had several instances where it got up to 100 or 105. And the dew point was 70-75 degrees all summer. So your sweat hardly evaporates. I run my AC all day to keep it 80 degrees and swampy indoors.

I would love to redo my whole house's HVAC system where one smallish central unit cools the kitchen and living room and each of the bedrooms have their own ductless mini split. This is one way to achieve zoning. There's no reason to cool the entire house to 65 degrees if I'm about to be asleep in the bedroom for the next 8 hours. There's no reason to try to keep the whole house cool when I'm about to spend my day in my home office. Just cool the room I'm in and leave the rest alone.

I could also do window units, but for some reason, my wife is vehemently opposed to them. Her parents just put window units in all their bedrooms and one in their living room. They don't use the central unit anymore. They only cool the room they're in right now, and their power bills went from $400 to $150 in summer. They paid for themselves in one season.