This was my first time using Overstock.com. I bought this comforter for my mother who has been a cold person most of her life, with cold hands and feet. Whist sleeping she was always bundled with sweatpants, socks, tons of blankets and comforter, etc...She never had a down comforter, so I wanted to get her one to alleviate the need for her excessive bundling. As my father, they are still married and sleep in the same bed, is like most men, a warm sleeper, and warm in general. I bought this for them as it breathes and keeps a person at an optimum temperature without waking them up. The synthetic filler comforters I have purchased in the past didn't 'breathe' and interrupted my sleep. I'm not a sound sleeper so I need to do what I can to minimize waking up during the night. My father, the warmer sleeper is kept comfortable as well as the cold sleeper.My mother is enjoying the down comforter as it is keeping her, in her words, 'toasty warm'. I highly recommend 'down comforters' to others, this one has fluffed up very nicely, doesn't have any odor, and is breathing well for her while asleep.Be careful not to get one that is not 100 % down, as some are with feathers that poke out and can scratch and hurt. Also some stink. Fill power indicates how many ounces of down are in it and that tells you how warm it be for you. As we live in Los Angeles, with mild winters, level 2 works great for my mother and myself. Loft is how fluffy it will be, of course I want a very lofty comforter as its just softer.hth-