There is a debate on whether 3 1" pieces would feel much different from 1 3" piece. Some have said that the 3 1" pieces might feel a bit softer. I have never done a comparison like that, so not sure.
I would generally recommend going with 1 - 2" pieces on the top layer so you can fine tune it better. So, I would probably recommend what you are suggesting - buy 1" and experiment with that a bit.
I have 3 1" pieces on the top of my mattress and it works fine for me (1" 19 ILD, 1" memory foam, 1" 24 ILD).