Hi lgfrie,
Thanks for taking the time to write such a detailed and informative review. It seems to me that you did some great research and made a well thought out and informed choice.
I also appreciate your comments about the individuality of softness/firmness ratings and I couldn’t agree more that what feels “perfect” for one person or even many people can feel much too soft or much too firm for someone else even if they have the same body type or sleeping style. It’s great to see that you ended up with a combination that works well for you.
FWIW … there is also more information about the many factors that can affect sleeping temperature in post #2 here and in many cases the type of mattress protector and sheets you use can make a significant difference if the time ever comes that you want to make some changes with an eye to reducing the sleeping temperature of your mattress.
Thanks once again for your post … I enjoyed every minute I spent reading it 
Phoenix