Hi g1981c,
Some posts that may help.
Some information about mattress pads and different fibers is here.
Information about wool mattress pads and toppers are here.
Some information about wool quilting and the need to protect latex with a cover is here and here.
More about wool quilting is here
Pictures of what can happen to latex if it’s not protected is here
Some of the reasons for quilting layers here … and this article
Some sources for mattress components including covers are in post #4 here.
More than this the forum search will be helpful. If you use it I would suggest that the “find posts from” option is set to “any date” and that you choose “show 20 search results” so you can scan them more easily.
Phoenix