My husband and I (and 2 year old son) are currently sleeping on a wool futon topped with a memory foam mattress topper from Costco.

I'm planning on buying a Flobed latex mattress. 

Why would someone pick 2 layers of latex over 3 layers and vice versa?

My husband wants to buy the 2 layer bed and put the memory foam mattress topper on top.

I'm saying I think the bed should be comfortable first without the memory foam mattress topper and then the mattress topper can be bonus softness.

What are your thoughts/opinions?

Thank you for any help you can give me! :)

~Robin