Besides cost and maintenance, are there any downsides to a. Mattress topper?
A mattress cover will add thickness to the mattress and your sheets might not fit.
Or, depending on the material of the topper they could sleep ‘hot.’
For more pros and cons based on the particular material of the topper are listed here: Pros and Cons of Different Types of Mattress Toppers
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yeah, in my cool climate region I rely on that ! 
the ones we bought recently have some bamboo component so they must “breathe” a little.
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