Hi fatstuart.
Thank you for the kind words. We are always happy to hear that people appreciate the many years of hard work that have gone into providing a fine-tuned educational resource 
It sounds like a split mattress is likely a good fit with your weight differential and what I imagine are different preferences in terms of comfort/support levels. A full latex bed is a great option that will be extremely durable and will also lend itself to great motion isolation.
I’d say you’re choosing really solid materials and without knowing exactly what you feel when you lay on the mattress, I don’t see any glaring mistakes in terms of ILD. When you say you want a more luxurious experience, do you just mean something softer? Your bedding can certainly contribute to a luxury experience. While I don’t think we’ve ever had a thread that focuses on the experience that bedding can provide, there is more information about comforters in the posts and topics that are linked in post #3 here.
There is also more information about the different types of sheets and bedding in post #7 here and the other posts and sources of information it links to that should be helpful as well.
As you mentioned yourself, this is pretty subjective. Wool will certainly change the experience you have on the latex. Whether you like that experience is not something I can predict. To take some words out of Phoenix’s book…
Wool will provide extra comfort, and overall it would probably “slightly” firm up the surface feel of our mattress, but you would still experience the contouring of the latex beneath. There is more information about wool toppers and how they compare to various foam toppers (at least in very general terms) in post #8 here and in posts #3 and #6 here and there are some additional comments about wool toppers and a list of some of the better sources I’m aware of in post #3 here.
Hopefully you find some of these resources useful.
Ken at Arizona Premium is also a great resource and would be happy to discuss your questions with you!
NikkiTMU