Justin, how cool is cool up where you live?
Like Hugo said, temperatures in the summer can reach +40ºC and the average between 12-17:00 hours are for sure +30ºC. You also made a remark that i did not think about, wouldn't a big percentage of the rain that falls in the winter not infiltrate in the soil with the plastic? In this country black plastic is usually used as mulch for aromatic plants, the temperatures under it are very high and all plants die under it...
Where i live (south Portugal) a 20 kg hay bale costs 2.5€.
Hugo, buy a 20l black or white vase, fill it with compost, put it outside all day and keep checking the soil temperatures. At 18h you cannot touch the vase ahaha
Also, check the guys at Herdade do Freixo do Meio, Catarina and Carlos, they used hay as mulch in their commercial orchard, ask their opinnion on the subject.