I use a duvet and have always used down comforters, the battles I have had with afore mentioned items are epic.  The down alternative comforter duvet insert I purchased from Wayfair has stopped the bedroom wars.  The comforter is of fine quality and of the utmost comfort.  I love Wayfair, I could stay on the  sight for the entire day (or is the case tonight all night).  Thank you, Wayfair, for the fun and fine quality and service.   Love Holly