I purchased this at a quarter of the retail price and could not be happier! I wanted ALL COTTON. That means, cotton cover and cotton-filled. I found out this is called "lofted cotton fill" or "cottonloft". This is the LIGHTER WEIGHT "blanket" but they do offer a MEDIUM WEIGHT blanket. This can be used as a duvet insert. I also have a washable wool duvet insert that I can't fit into my washing machine so I will have to take the the big laundry mat, bring home, and hang across two folding drying racks to dry. It will take a while to air dry. SO, I needed something to use in the meantime. I also purchased a lightweight flannel duvet cover so I can alternate with the one I already have. I tend to sleep hot sometimes and can get overheated quickly. However, I do NOT like to be cold. I set our thermostat on 70 last night (with all our ceiling fans still going) and used this combo with our dogs also in the bed with us. VERY COMFY!!! I got warm a couple of times and just moved it over a little for a short time and was fine. I know this will work great for FALL and WINTER in the flannel duvet cover and it a regular cotton duvet for SPRING and SUMMER!!! I'm a very happy camper, having paid a total of around $25 bucks for this from the Amazon Warehouse because it was a return. When I got it, it looked brand new and in the package like it had never been even taken out. This was the twin size since we have a king and my husband and I use our own duvet and insert (with our dogs piled in-between us!!! This way, a large king comforter over all of us doesn't get too hot and doesn't leave us without enough comforter to pull over us from the sides!!!! I will also be buying one for my husband. Retail, these costs $105 bucks. You can find them around $80 though for the twin. They are not thick but they are warm. I cannot stand polyester. It makes me sweet and gets very uncomfortable. It's a synthetic material. I can't stand faux sherpa and fleece. I won't use goose down because the claims of ethical treatment is total BS. Almost all of the supplied feathers and down are from China and most those comforters are also made in China (like almost everything else). The ethics guidelines are bypassed, everything's on the downlow. I will not sleep with a "bloody death comforter". Anyway, my husband and I feel much better with this. The wool duvets we have are old, handed down duvets. These are just as good and better because they are not animal products and feel great.