I am so in LOVE with my Duvet insert!!! We live in Montana and I bought the Heavyweight it isn't heavy at all but so warm and comfy.. and I am a very cold person year round due to my illness, I do not have to add any other blankets, except for the Duvet cover and I am just right.. we do have wood heat, and it is in the living room, but it is not burning until we start it in the morning..