I love my Sleep Number and my hubby wont sleep in it. I know they now make a memory foam Sleep number too from the ads on TV.
Dont know anything about frigs, mine is from 80's.
As far as the refund being a loan, there is major truth in that. Refunds are not really good things. Not that I am not happy that you can now buy the things you need. This year I happened to get an unexpected tax credit at the end of the year so I will be getting a big chunk but as a rule, I try hard not to give them more than necessary and not to owe more than a tad if possible.
It always makes me chuckle. I have spent decades trying to explain this to one of my closest friends. She is appalled that I dont get money back.....I usually smile knowing that I have had in my account all along.
Anyway, good luck and your hubby should try all of the beds. BTW be careful when reading their "trial" policy, sometimes they hide fees in there.