Hi pressplayjustin.
I’m glad I was able to offer you some useful information!
The truest difference between natural/organic/vegan latex is mostly just the name and, depending on the brand, the certifications. Many non-organically certified latex options follow organic procedures but haven’t applied for the organic certification. You can read some of Phoenix thoughts on organic vs natural latex here and more about the levels of organic certification here and about additional certifications here.
As far as I understand, none of these certifications actually test for mold or mite resistance.
The cotton/wool can offer a cooling or comfort aspect in some cases and, as you pointed out, a fire barrier. And, as natural fibers, have an inherent resistance to allergens. So, it’s not going to hurt you to leave it, but you don’t absolutely need it there either.
Generally speaking, Dunlop latex is firmer and more dense than Talalay latex and is sometimes compared to “pound cake.” Talalay latex is the most popular as a comfort layer because it can be made softer than Dunlop and is more consistent in its softness across the entire surface of the mattress. Dunlop however is also used in the comfort layers because of its firmer and less “lively” nature which is attractive to some who prefer its feel.
Some manufacturers prefer Dunlop because they believe it to be more durable and over all superior to Talalay…but some mattress manufacturers will swear by Talalay so it can be a toss up. It really will come down to the feel. Have you been able to lay on any latex mattresses?
NikkiTMU