The short version
Both deliver premium dual-zone water-cooled sleep climate. Eight Sleep bundles integrated HRV/sleep tracking behind an ongoing subscription; ChiliPad ships clean hardware with no subscription and no built-in tracking.
When Eight Sleep Pod 4 is the right pick
If you want HRV and sleep tracking integrated into the climate system so you don't need a separate wearable, and you want Autopilot to adjust temperature by sleep stage automatically — Eight Sleep is the right shape. The subscription is the cost of admission.
When ChiliPad Dock Pro is the right pick
If you already wear an Oura or Whoop and you want the climate hardware alone without the subscription tax — ChiliPad is the right shape. Same dual-zone water cooling, roughly half the 3-year ownership cost.