Well I went to a mattress store to try the memory foam & gel mattresses, they were nice, but not $2k nice
Since I already have the water bed mattress (base) and 2- 2" toppers, I decided to get a 3" gel infused topper and put in on top of my stack.
So we shall see how my experiment works out.
I may have to remove one or both of the smaller toppers if it is too cushy..