A wearable absorbent article to be worn by a wearer about the lower torso, comprising: an outer cover having an outer cover longitudinal length and comprising an outer cover front region, an outer cover rear region, an outer cover lateral axis between front and rear regions (27, 28) and equally dividing the outer cover longitudinal length; a pair of fastening ears extending laterally from the outer cover rear region, a hooks fastening element disposed on at least one of the fastening ears; a loops receiving element disposed on the outer cover front region; and a first insert fastener component disposed on the outer cover; wherein the hooks fastening element and the loops receiving element are cooperative to effect fastenable, removable and refastenable attachment of the at least one fastening ear to the outer cover front region; wherein the hooks fastening element and the loops receiving element form an outer cover fastening system that sustains a first Vertical Peak Load/Engagement Area of from 0.045 N/mm 2 to 0.076 N/mm 2; and wherein a disposable absorbent insert having an insert longitudinal length and comprising an insert forward region, an insert rearward region, an insert lateral axis between the forward and rearward regions and equally dividing the insert longitudinal length, a pair of elasticized longitudinal standing cuffs, and a first fastener component disposed thereon; characterized in that the first insert fastener component and the first fastener component are cooperative to effect fastenable, removable and refastenable attachment of the insert to the outer cover; and the first insert fastener component and the first fastener component form a hook and loop insert-outer cover fastening system that sustains a second Vertical Peak Load/Engagement Area that is less than the first Vertical Peak Load/Engagement Area. an outer cover having an outer cover longitudinal length and comprising an outer cover front region, an outer cover rear region, an outer cover lateral axis between front and rear regions (27, 28) and equally dividing the outer cover longitudinal length; a pair of fastening ears extending laterally from the outer cover rear region, a hooks fastening element disposed on at least one of the fastening ears; a loops receiving element disposed on the outer cover front region; and a first insert fastener component disposed on the outer cover; wherein the hooks fastening element and the loops receiving element are cooperative to effect fastenable, removable and refastenable attachment of the at least one fastening ear to the outer cover front region; wherein the hooks fastening element and the loops receiving element form an outer cover fastening system that sustains a first Vertical Peak Load/Engagement Area of from 0.045 N/mm 2 to 0.076 N/mm 2; and wherein a disposable absorbent insert having an insert longitudinal length and comprising an insert forward region, an insert rearward region, an insert lateral axis between the forward and rearward regions and equally dividing the insert longitudinal length, a pair of elasticized longitudinal standing cuffs, and a first fastener component disposed thereon; characterized in that the first insert fastener component and the first fastener component are cooperative to effect fastenable, removable and refastenable attachment of the insert to the outer cover; and the first insert fastener component and the first fastener component form a hook and loop insert-outer cover fastening system that sustains a second Vertical Peak Load/Engagement Area that is less than the first Vertical Peak Load/Engagement Area.