I thought the return protect was only for a few months, no?
I currently sleep on a Simmons Beauty Rest and love it. However, it doesn't matter what we tell you or what reviews you read online because only you lying down on the mattress will tell you if its right for you. Don't listen to people who say a firmer mattress is better for your back or any generalizations like that. If it feels good, it will be good for you.
Also, mattress dealers are surprisingly easy to deal with in terms of exchange. you usually have 60 or 90 days to try a mattress and then you always have one opportunity to exchange or return it, no questions asked.
Also tempurpedic does make some really good mattresses. July 4th sales are coming around and usually sleeptrain gives 3 years of interest free financing so a four thousand dollar mattress becomes quite affordable.