Hi Kris, I have to admit I have no idea what a Hands On Fighter Pilot is - you definitely have to talk to Groupon customer service about that one! All I can tell you is we are definitely not a scam, we have been making high quality foam products for almost 20 years under national brand names. You are guaranteed to get a product, but do keep in mind that returns are only for products with manufacturing defects or damage during transit. If you do not receive your product you can contact us directly or Groupon, whichever you prefer.
You do not need anything when using the heating pad, but your topper should at the least be under a top sheet, and preferably under a mattress cover as well.
Thanks so much for your interest in our products, have a great day!
Jan 6, 2013