Mountain Air Organic Beds makes a organic latex mattress with a organic cotton and wool zippered casing that is quilted. Main thing is you don't have to worry about sink holes and not being able to adjust the comfort because the layers don't take a body impression nor will they break down because of the organic materials we use to make their mattresses from and the densities of our mattress (I will get into that more as you read on, because that is very important). Also the layers are interchangeable, each partner can have their own sleep surface by the way you order the layers.
The cool thing about a mattress like this is if your body changes or your need change 10 - 15 - 20 years down the road you don't have to buy a new mattress you just order a new layer! It cost a little more than a regular mattress but less than most Tempurpedics (tm).
Since you are on a budget we can help with financing and if you are looking for a custom made platform bed built really strong without chemical off gassing like formaldehyde, we have that too.
If you are looking for a mattress with a pillow top built in, I wouldn't recommend it in the mattress. Those soft layers in a mattress tend to break down quicker than firmer support layers. But getting extra comfort in a topper is a better idea. You can achieve great softness this way too. The reason is because longevity is equal to density. Toppers are usually very soft to relieve pressure. For example poly-urethane foam (like egg crate material) is 1.9 lb density (like angel food cake), Tempurpedic (tm) 5.3lb density, Soft Talalay Latex is 16-20 lb density so you can see the 16-20 lb density will last 3-4 times longer than the Temper material (which is polyurethane foam with even more chemicals added to it.) So Talalay latex rubber the best choice for ultimate relief in a pillow top and will last longer than other foams with less density.
Now there are two way's to process latex rubber (besides 100% all natural and synthetic blend). There is the Talalay method and the Dunlop method. I explain more in the next paragraph.
I believe 100% all natural Talalay latex rubber is best in a pillow top but I wouldn't recommend it in a mattress because it lacks support!! For example, Dunlop latex rubber put in the mattress would be a much better choice than foams because of the density and support. It can get as high as 40 lb density for a firm layer!
But, if price is a big factor then you might look at a organic wool topper or organic wool fleece. This is a lot less money and still gives you great pressure relief and extra comfort and durability. It feels amazing!! Who ever heard a sheep going bald unless they had a hair cut ;) Better example would be "mummy's hair last forever."
I know it is confusing but if you could request samples from us where you could actually experience one in person at no risk with our 100% money back guarantee.