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Cutting in a grate would certainly let the heat rise and AC sink, so you'll want something you can regulate. I'm sure there is a product made for it. Sounds like Someone's got you pointed in the right direction there.
To truly protect yourself from any future denial of claim, you may need permits for the work as you are modifying a fire separation assembly (the floor). I would ask that of your insurance co.
A permit is the only thing you will get in writing from an AHJ that says you asked how to properly do this and they approved it.
Yes, a pain in the ass and it will add some cost but your question was about how to do it and protect your assets.
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