In an older bed a few years back when I was in graduate school I did exactly this. I was able to top my bed very well with '4 memory foam and then got some cover padding to keep it in place. The topper was around $180 from Overstock. I was actually very happy with the solution, it was a "near" tempurpedic experience at a far less cost. I didn't like how it shifted on top of the bed itself though, partucularly from the top it felt like it was "sliding" down. Overall though it was a great solution and the price was great. Personally I'm more into more supportive beds now, but for a student it was great. In fact I still have the 4 inch topper in my closet, which I've used as sort of a "guest bed" more than a few times.