I just purchased the same gel topper from costco last week and just put it on tonight. Well, i put it on.... laid around on it for a bit...and then took it off, but theres alot that went on in between!
First, today was the first day i actually opened the box and took it out. i didn't realize it would have such a strong smell! so i let it lay on the floor next to my bed for a little bit while i wash my sheets and the sheet it came with( hoping that would help with the smell, which was dumb). anyways, i got tired of waiting so i heaved it onto my mattress BUT i kept that packaging fabric inbetween my mattress and the topper because i noticed the gel stuff coming out and i didnt want it making a mess all over my mattress. so i put my fitted sheet over the whole concoction...aaand yes i did notice that it was a little colder than usual. my house is pretty cold but the topper made it feel a bit more chilly....maybe it's because of the gel??? i live in sacramento so it gets very hot here during the summer, so i hope cooling sensation will be of good advantage by that time.
anyways, i threw my fuzzy blanket over the bed, which i usually sleep on top of and then i have a second blanket to cover me. Sleeping on top of the first blanket reaallyy helps out with the coldness! and it's a little added comfiness as well =). as i laid around on it a bit, i couldnt ignore the smell coming through the blanket. it wasnt giving me a headache or anything, but it is a pretty annoying smell. so...by 3am i decided to take the topper off to let it air out overnight and it is now fully laid out in another room. Hopefully the stink goes away soon because i was really juiced to try it out tonight! =/
Oh and about the heated mattress pad, i woudn't use it with the memory foam topper....im not for sure but i think the memory foam might be a bit combustible...wouldn't want anything to catch fire. Double check though.
Hopefully the smell goes away by tomorrow and when i get to officially try it out, i will have a full report. goodnight!