Hi TRod111,
Post #1 here has a step by step guideline and some links to articles and information that will greatly increase your odds of finding a great quality and value mattress (and eliminate most of the worst choices).
The better options that I’m aware of in the Ocala area (or within reasonable driving distance) are listed in post #2 here.
There are many factors involved in the temperature regulation of a mattress including the materials in the mattress (especially the upper layers), the quilting and ticking in the cover, your mattress protector, and your sheets and bedding. All of these combine to play an important role in the microclimate and temperature regulation of the mattress. There is more about this in post #2 here.
Memory foam, and polyfoam that are either CertiPur certified or American made would generally be considered to be “safe” by most people (even though they have an initial smell) but there are also many who prefer to avoid polyfoam and memory foam and synthetic fibers and fabrics in their mattress altogether because they are less natural petrochemical based materials and they believe that natural materials are “safer”. Some of these foams or fibers may also include some unknown fire retardant chemicals which many people also wish to avoid. In these cases … Innersprings, latex foam, and natural or organic fibers and fabrics can make good choices.
Phoenix