I went with two 3" Talalay Latex toppers from SleepEZ. The reason for two toppers instead of a single mattress was to make it easier to wrestle them around on the boat. One medium, one firm in case we needed to adjust. In theory you can vacuum pack and return to swap to a different one but I knew from the big SleepEZ at home that it would be far too much of an effort for me to ever try and get the 'mattress back into the box'. Plus shipping, etc. This solution worked well.
This was for the aft cabin in a Hunter 41DS. The bed platform other than a small inclined rise in one corner is basically USA Queen size so I don't have any experience with cutting. Original mattress was a 4" box spring, and we had a 2" futon topper on it for quite a few years as well. The original 4" had one corner slightly trimmed underneath for that boat corner, but we would rotate the mattress anyway.
If you plan to keep the boat for some years, I would go with latex vs. memory foam. It is also my understanding that Latex is more fungus/mold resistant than memory foam, and Talalay Latex even a bit more. There is hypervent under the mattress as well which I strongly recommend.
I think SleepEZ also has a sister company that is more of a discount store - exact same blocks of latex, just more of a do-it-yourself type outlet which is probably what you want if you need to cut anyway.
For cutting - check sail rite online, and if you buy a tool from there, you can call or chat and they have great support and can provide some pointers and tips & tricks about how to do it.
Side note - don't forget to mark off the benefits for yourself (your back, good sleep, etc) in addition to the marriage

Life is short and we spend a good chunk of sleeping already. A good quality mattress is expensive but you spend 1/3rd of your life there!
EDIT: Also SleepEZ customer support was great. I had to change my order, they followed up in person to confirm things, seemed knowledgeable about their business, etc.
EDIT2: I asked Gemini AI, it said this:
Talalay latex is vastly superior to memory foam at resisting mold. While memory foam is highly susceptible to mold growth, Talalay latex actively prevents it.
Even with the hypervent, a boat is a boat. Anything to stay ahead of the curve on preventing mold is worth it my book. I am also a liveaboard in the rainy/soggy PacificNW.