Hi rjar,
You should be able to get a great mattress in a significantly lower budget range
For some reason the Sovn prices are much higher than all the other Berkeley Ergonomics dealers across the country. A forum search on Sovn (you can just click this) will bring up more about them. Their mattresses are high quality … their prices are on the high side.
Thanks for the heads up. They are also no longer on the Savvy Rest store finder so I’ve removed them from the Dallas / Ft Worth list.
Latex is generally the most breathable and coolest of the different types of foam materials but sleeping temperature will also depend on a combination of factors, not just the type of foam or the type of support core. You can read more about the factors involved in sleeping temperature in post #2 here. In general most people don’t find that a latex mattress sleeps warm (quite the opposite in most cases) but some people that have a mattress with a thicker / softer comfort layer that they sink into more deeply and no quilting may find it sleeps on the warmer side (and this would be true for any type of foam material) … particularly if some of the other factors also contribute to warmer sleeping temperatures.
Whether or not to finance a mattress is really a personal issue so this is something that only you can answer. I don’t think applying for financing at a store where you return the mattress for a refund should affect your ability to apply somewhere else but as you mentioned this is outside of my area of expertise.
I’m looking forward to your ongoing feedback and finding out what you end up with.
Phoenix