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It sounds to me like you want a very complicated, homemade solution.
The most efficient and convenient way is to buy a car with A/C. IMHO it's worth every cent.
Short of that. you could drive shirtless (as a male, there is no law against doing so) AND get a simple cooling 12V cooling fan to aim directly at you to make you more comfortable. I know the suggestion isn't high tech (and probably not what you want to hear), but I grew up in a time before A/C was affordable or universally available, and I know what works as a practical substitute.
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