Our bedroom has a bay/bow window, and the head of our bed is maybe a foot away from the two central windows. No headboard, so no light/obstruction issue. With the space between the bed and the window, it’s possible to step one foot in between bed and window so as to reach the one double-wide blind and raise/lower it. With the cellular blinds lowered, the wintertime draft from cold windows isn’t a whole lot greater than the other exterior wall in the room, and anyway the gap between bed and window means any downdraft goes directly to the floor instead of landing on our heads.
The view out of our bedroom isn’t amazing. It’s the 'burbs, so there’s basically another house right behind us.
Unless there was no other way to configure the furniture, I would never put my bed under the window. I like to open my window and feel the breeze. I would put my bed facing the window or have the window to the side of the bed.
My bedroom window looks out on….a concrete walk and a very tall fence between my lot and the neighbors. Why would I want to look at that? So the headboard covers the bottom half of the window and blackout material covers the rest. Sorta. The cats have made inroads.
In the early days of my marriage we would visit my MIL who lived in a small town in southern NJ (Baghdad on the Delaware, my wife called it) and we slept in a bed without a headboard that was right in the window. The house was not air-conditioned and we would put our pillows on the sill and hope for a slight breeze. The main problem was that the paving in front of the house on route 49 was broken and trucks would come lumbering down the highway and make a horrid noise all night long.