Thor has a silky coat. I keep him in a puppy cut. If you are interested, you can take a look at the album in my profile, since that has a lot of pictures of his face -- you can decide if it's fluffy enough for you.
Thor's coat almost never matts. However, I agree with you that the cottony ones are really cute. I would think you might get a better price on a cotton coat as well, since that is not the standard? I'm not sure.