Yup, Minwax polycrylic is the way to go. I have a 64 degree basement shop, too. It does have fumes that are not good for you, so on big pieces like your bed, I just use a box fan on low to move some air around. With that, I don't smell anything at all. (If you try that, clean up any dust in the area first....made that mistake before). I used it on end tables I made 20+ years ago and it still looks good. It's all I use anymore. The downside is that water based finish will raise the grain, so you'll have to sand the fuzzys off after the first or second coat, then probably end up with four coats. Also, it seems to me that thinning with a little water (very little) for the last coat leaves a smoother finish in a cold basement, levels out better...less brush marks, but try that on some scrap first and see what you think.