Use it as a starting point: the calculator uses the catalog, score rows, and loaded-loft estimates. The final check is still lying on your own mattress.
Quick Loft Ranges
Setup
Loaded-loft starting range
Reason
Side, narrow shoulder or soft mattress
3.0 to 3.7 in
Less shoulder gap after sink.
Side, average shoulder and medium mattress
3.6 to 4.4 in
Normal ear-to-shoulder bridge.
Side, broad shoulder or firm mattress
4.3 to 5.2 in
More gap to bridge.
Back sleeper
2.8 to 3.8 in
Support the neck curve without pushing the chin down.