Hi Buckeye_Guy,
There is more information about the different types of mattress protectors in post #89 here that can help you decide which of the tradeoffs involved with each of them (the degree of water resistance, how much they affect sleeping temperature, how much they affect the feel of your mattress, and prices) is the best fit for the criteria that are most important to you. None of them are the best of all worlds.
There is also more about tracking down temperature regulation issues in post #2 here that may be helpful as well.
Phoenix