My main bed at home is a rather expensive memory foam/ sprung affair, so so comfy and I use a Feather and Down quilt, as I need some weight in my Quilt otherwise I don't settle. Really can't bear the lightness of an hollow fibre quilt.
My last caravan a 2 berth, I didn't use a mattress topper, but had brought a very expensive all singing and dancing double sleeping bag, and it was lovely.... But alas it went AWOL when my caravan was stolen back in May.
The caravan has been replaced with a 4 berth fixed bed affair. But alas I couldn't bring myself to spend so much money replacing my sleeping bag... But the mattress that comes with the caravan, isn't a memory foam but heck its comfy as hell.
So this time around, I decided to go for a cheap feather and down quilt, standard flat sheet (which works with the odd shaped mattress) at quarter of the price of my double sleeping bag!
So yep it's personally preference, and often there is a cheaper version of the most expensive on the market that does the job just as well.