Ultra-cool Cooling Waterproof Mattress Protector vs Premium Mattress Topper: which is safer?

Where these two actually differ

• We flag Undisclosed waterproof coating chemistry (PFAS risk signal), Coating degradation and particle shedding, Formaldehyde resins in dyes or finishes and Polyurethane or silicone coating off-gassing (if alternative to PFAS) on the Coop Home Goods and not on the Helix.
• We flag Volatile Organic Compounds (VOC) off-gassing from polyurethane foam, Polyester cover degradation and microfiber shedding, Polyurethane foam degradation and chemical leaching with age and Water-resistant coating composition (undisclosed) on the Helix and not on the Coop Home Goods.
• The Coop Home Goods is Polyester fabric with waterproof coating (type unspecified) where the Helix is polyurethane foam, polyester cover, which is most of the difference in these two grades.
• The gap is 45 points, wide enough that this is not a close call, and the Helix is the one to buy.
• We are less certain about the Coop Home Goods grade, at 35% confidence against 72%, because it discloses less.