Home-use applicators for non-invasively removing heat from subcutaneous, lipid-rich cells via phase change coolants, and associated devices, systems and methods. A device in accordance with a particular embodiment includes an applicator releasably positionable in thermal communication with human skin, and a coolant vessel having a coolant. The device further includes a heat transfer conduit operatively coupled to the applicator and housing a heat transfer fluid that is isolated from fluid contact with the coolant. A heat exchanger is operatively coupled between the coolant vessel and the heat transfer conduit to transfer heat between the heat transfer fluid and the coolant, and a fluid driver is operatively coupled to the heat transfer conduit to direct the heat transfer fluid between the applicator and the heat exchanger.