I never bother to write reviews but I had to this time so that others may experience the joy of this duvet set! It is a duvet but it has a substantial insert so you don't need to but a separate comforter. I may use my heavier one in the winter, we'll see, but I may not need to. First of all, it is so cool looking. I think it looks much more expensive than it actually is. We have a simple, dark wood bed with a pretty high headboard that looks great with it. The brown in the comforter works well with the dark wood. The material feelsgreat, making the bed is so easy, it just seems to slide nicely over the sheets. My kids got a little dirt on the cream part and I simply rubbed it off with a rag and a little water and you'd never know it was there. It is beautiful and functional! Highly, highly recommend.