Hi lovadey,
The better options or possibilities I’m aware of in and around the NYC area (subject to making sure that any mattress you are considering meets the quality/value guidelines I linked in my last reply) are listed in post #2 here.
The cost of return or exchange policies are built into the cost of a mattress and may not be as important when you can test a mattress in person to make sure that it fits all your criteria but of course this is always a preference choice that can be a more or less important part of each person’s personal value equation.
Phoenix