For the price point of this duvet cover, which I believe was ~25, it’s not a bad duvet.  It has either six (6) or eight (8) string ties to attach to corresponding loops on a duvet insert. The material is equivalent to a standard fitted or flat sheet.  

If the price point was higher, I wouldn’t recommend this duvet cover simply because the material is rather thin. However, the insert that you cover with this will ultimately provide the level of warmth you are seeking, and it does the job as a neutral cover. I ordered in beige and the color is exactly as shown in the images in the description. I ordered in a size King and it fit perfectly over the King Bedsure All Season Polyester Down Alternative Comforter.