It's  soft and with the addition of a fleece blanket more than enough for the cold nights here in Houston but I think it will be just right with the AC on at night in the summer. The blue is a true navy. I think the embroidery is light grey which is what I was hoping for but I think you could go with taupe if that's more the color you wanted. I paired it with light grey sheets and it looks fabulous. My only semi-negative is the 2 throw pillows. They are very small and too overstuffed. I thought they looked silly on the bed. I bought my own grey velvet down stuffed pillow and it looked much better. I like this comforter so much I may buy another one to hide away for when this one wears out.