Hi bettinamonk,
You have some "tough" choices!
My understanding of the Lumina models is that the difference between them is in both the firmness and the density of the foam in addition to the thickness. I didn't ask about the Luxury plush although I would imagine it is in between on all counts.
The way I see it ... you have a few choices.
Re: The Luminas.
First would be to decide on a Lumina model by itself. If I was going in this direction I would look carefully at the density of the polyfoam in the luxury plush before deciding on this one. Bear in mind that all polyfoam and memory foam will soften more quickly in the first few weeks and this is followed by a more gradual softening so it would be better if the luxury plush was a little on the firm side.
Second would be choosing a mattress with the intent of adding a topper. In this case ... there is no doubt I would choose the extra firm. It too will soften in the first few weeks. A 2" topper is almost certainly too thin and soft to isolate you from the very firm top layers of the mattress and you would likely need either a higher ILD in 2" or a thicker 3" latex topper and an ILD only slightly higher. In either case I would avoid 14 ILD in only 2" for the reason you mentioned (you will go through to the firm layer). The PLB topper is also not the most cost effective talalay latex topper although it does have a very nice cover.
Re: The Dr Breus.
If the price is right ... this may be a good choice because of the top layer of latex. The price really would have to be right though. They have apparently made arrangements for another company to honor the warranty so this would not be an issue and other than that the demise of IBC would not affect you.
Re: The Evo Blossom
I would consider the Evo Blossom plush as an option as well by comparing the quality of the foam in it to the Lumina. It has an inch of latex and if the polyfoam in the upper layers are also higher quality ... this may be a choice worth considering without a topper.
Re: Urban Organics
The Urban organics latex models are "in the range" of a good value choice. While it's true that you could buy online for a bit less (depending on the type of latex, the thickness of the layers, and the ticking/quilting used) ... I believe it is worth paying a premium to a degree to purchase a known quantity locally. If the premium is too much ... then it makes sense to add online outlets to your choices and factor in the cost of a possible layer exchange to the purchase price. There are many online latex outlets that sell high quality latex mattresses for much more than $2000 and because of the durability of latex ... it is still good value ... but budgets have to be part of every decision unfortunately. We all know this only too well
Re: Toppers.
Don't forget that the extra firm will soften to a degree and that the Rejuvenite topper is much different from the PLB. It is an inch thicker and is also firmer at 19 ILD. You would also have the choice to buy a talalay topper that was one step firmer yet in the low 20's in 3" as well which would improve your odds even more that is would comfortably cushion you from the extra firm surface.
If you do go in the topper direction ... I would use memory foam on top not underneath and in a very thin layer depending on what I wanted to accomplish. I would also take one step at a time and only add it if it was necessary after ordering a topper.
I hope I've covered all your options. The key for me would be to get an exact description of the layers in each of your options which will make deciding which option is best much easier.
Phoenix