Hi jet7571,
I don’t know if you are on the “correct” track or not but you certainly aren’t on the track I would suggest for anyone.
I think that choosing a mattress is all about tilting the odds in your favor as much as possible and local testing is a big part of this IMO regardless of whether you buy locally or online. In many cases there is also great value available locally as well.
I also don’t think of mattresses that have adjustable layering in a zip cover as a “hassle” at all but as a great option that can give you the chance to fine tune the mattress by re-arranging the layers or exchanging them if it’s not quite right for your needs and preferences.
Post #1 here has all the information, guidelines and steps that I would suggest when people are looking for a new mattress but of course these are just suggestions and each person is always free to follow whatever they believe is best.
Post #21 here includes some of the better quality and value online latex choices that I know of. SleepEz is one of these but Habitat certainly isn’t and Plushbeds isn’t either … although they are better value IMO than Habitat. A forum search on Habitat and on Plushbeds (you can just click both of these) will bring up more of my thoughts about both of them.
Of course each person may have a different personal value equation and different parts of a mattress purchase or the benefits and options available may be more or less important to each person but two of your three choices would not be among my final choices … and certainly not Habitat when there are so many better value choices available.
Phoenix