What this means in practice is that we enter a minefield where we start to lose major ecosystems as temperatures continue to rise.
This makes it incredibly important to do everything we can to limit the amount of additional warming we see; each 1/10 of a degree adds to the risk.
If you haven’t already, consider a heat pump instead. It can do cooling and heating, generally more efficiently (in terms of energy, maybe not money depending on local gas prices) than alternatives. It’s basically the same device as an air conditioner, except it can be reversed so it can heat too.