Hi Everhart,
Yes … the weak link of most mattresses is the comfort layers and a mattress will generally soften or break down from the top down. There is more about the many factors that are involved in relative durability and the useful life of a mattress in post #4 here and the posts it links to. there is also more about the difference between a latex/polyfoam hybrid and an all latex mattress (or a mattress that uses more latex in the upper layers) in post #2 here and the post it links to.
You can read more about it in post #6 here.
If the polyfoam is made in North America and/or is CertiPur certified* I don’t think that most people would have any issues with offgassing (although if a material does produce harmful VOC’s then it wouldn’t matter where it was in the mattress). Some people however that have a more restrictive answer to the question of “how safe is safe enough for me?” may prefer to avoid all polyfoam or synthetic materials completely but this would be a small minority or those who may be more sensitive (such as having MCS or multiple chemical sensitivities).
ADMIN NOTE: *Removed 404 link|Archived Footprint: certipur.us/pages/
Phoenix