The point is that fermentation creates heat. 5-10 degrees above ambient air is not unheard of. I've seen 15 degrees once or twice.
It's the temp of the fermenting beer that matters, not the temp of the room.
Sitting at ambient of 64 may mean fermentation of 69-74 (or more, especially if you pitch warm), too high for many styles.
Place your fermenter inside a big plastic tote bin, and then surround with water up to the same level as the beer. That alone will restrain the fermentation temp spike (in my observations usually stays the same as ambient, at most 1-2 degrees above) the more water around it the higher the thermal mass and the more stable the temp.
And if you want you can then adjust the fermentation temp by adjusting the surrounding water with either ice packs/frozen bottles of water, or with a submersible water heater.
Boom. Cheap, easy fermentation temp control. I've used this method for years and won plenty of medals in the process. Hard to brew a lager this way, but for ales my money says it's actually more effective than your average fermentation fridge.