I love my memory foam mattress topper. I dont put a mattress pad on top of it just a fitted sheet then another fitted sheet on top of that that matches my top sheet. I have a microfiber comforter with duvet cover but I rarely use it: i'm using it right now because I have my windows open and it gets chilly at night.
I bought my topper from overstock. I buy my sheets from qvc and they're deep enough to tuck in- northern nights has some nice sheets