Hi coolestmage,
These types of questions are difficult if not impossible to answer because there really isn’t a “best” choice. Which one would be “best for you” would depend more on your own individual criteria and circumstances, the budget range that is easily available to you, how important each of your competing priorities may be relative to the others, and on your own knowledge of how you prefer to make these types of decisions.
There is more about the most important parts of the “value” of a mattress purchase in post #13 here that may be helpful.
The most important part of the “value” of a mattress purchase is how well you will sleep on it. For this part the 12 in customizable would have the clear advantage because there are many ways to customize the mattress after your purchase which means that if one way wasn’t as suitable for you in terms of PPP then you would have many other layering combinations available so that you can find the one that works best for you. If the Crazy Quilt pillowtop is “perfect” for you then this may not be an issue but if its not the the only other options you would have available would be to sleep on it anyway or to return it (the return policy would depend on where you purchased it from).
The second most important part of the “value” of a mattress purchase is durability and how long you will sleep well on a mattress. Here too the 12 in 1 customizable has a clear advantage because it uses much higher quality and more durable materials that will maintain their firmness and properties for much longer. If you purchase a mattress that uses lower density materials that is “on the edge” in terms softness and the range of comfort and support that is suitable for you then even a relatively small amount of foam softening can put you outside of the range that is suitable for you long before 3 years is up (see post #2 here) even if the materials are still in relatively good condition. This will also depend on your body type, sleeping positions, and on how much stress you put on the mattress when you sleep on it or with any other activities.
Finally when you are comparing them based on the parts of your personal value equation that are important to you then I would also keep in mind that you will still need a mattress after 3 years and the 12 in 1 will have much more useful life left in it after that than the Crazy Quilt. It will also allow you to replace a single layer rather than the mattress as a whole which would also give you the option of replacing the top layer of polyfoam for say a 3" layer of memory foam or latex so you can “transform” your mattress into something else just by replacing a single layer.
A mattress is one of the most important purchases we can make and will have a bigger effect on your sleep quality and in turn how you feel and your overall well being over the course of the day than almost anything else you can buy so I would always suggest buying the best quality and most suitable mattress that you can comfortably afford.
There are many parts of value that are important and in almost every one of them the 12 in 1 would be a better value choice and IMO the only reason to choose the Crazy Quilt would be for financial reasons alone or competing budget priorities where the other parts of “value” were much less important or there just wasn’t a way to accommodate them.
While I can’t tell you what to choose … I certainly know how I would approach similar “tough” choices and hopefully this will give you some ideas about “how” to choose although of course YMMV.
Phoenix