Love this duvet insert. Live in Canada and it’s great from October to March.  Too warm for the rest of the year, but is so fluffy and warm. 
Looks thin upon arrival, but don’t worry. It fluffs out and is a happy medium for weight. Add a wool blanket underneath if you prefer super heavy and toasty or simply add a duvet cover. 
Recommend highly and will definitely buy again for my spare room!