Why your mattress is the heat source
A standard memory-foam mattress is designed to conform - that "hug" is dense polyurethane closing around your body and dramatically reducing airflow underneath you. During a hot flash, your body needs to dump heat fast. The mattress reflects it back. The result is the classic menopause sleep cycle: drench, throw the covers, lie on top of the blanket, sweat dries, get cold, pull blanket back, repeat.
A topper sits between you and the mattress and changes the surface you sleep on without replacing the whole bed. The right topper provides a thermal break, lets air move, and wicks moisture instead of pooling it.