I think that this would be a good idea yes. You can read more about the effects of different types of covers and quilting materials in post #12 here and the posts it links to.
Many people use adjustable bases yes (and I’m one of them :)). There is more about choosing an adjustable base in post #3 here and the adjustable bed thread it links to and it also includes some sources that you can use as a “value” reference as well.