This is very important - the fire risk is genuine! There's a good chance that if the old cushions were commercial, they have fire retardants in them, and those chemicals aren't nice.
I like Gerry's ideas, but would like to add some thoughts of my own in a different direction.
Think "cookie cooling rack"? But human sized? Wood also becomes a fire risk if it goes through cycles of high heat, so I'm thinking metal upcycled from old furniture.
A)
- our old sofa bed had a spring system inside its frame that the mattress laid on.
- my sister's day-bed had something similar but different
Both of these had a fairly flat profile, so could be adding about an inch of height between the bench and the wool blankets.
My idea is that you would make a couple of frames up that were the right size, and you would use them when the bench was hot, but remove them when it was cooler.
B) These may be harder to find, but some of our antique furniture had cone shaped coiled springs. These need a layered system to cover them so that there wasn't anything pokey. I don't know how to get some of those layers new and still get natural, but I'm pretty sure they're out there, possibly in your own environment.
This page will give you the idea I'm suggesting:
https://thedesignersmarketplace.com/blogs/blogs/what-is-8-way-hand-tied-furniture-and-its-benefits?
Modern foams don't last, are expensive, and turn to 'dust' when they age. I would absolutely look for alternatives. For the top padding, if you can find someone with a backyard flock, feathers might be an option? They would need to be sewn into pockets if you want them to stay put.
Good luck with hunting up options. Please report on your progress and the outcome and how well things work. If you have a way to take before and after temperatures easily, other people who visit this site could benefit from your experimentation.