I have had both a regular comforter and the duvet cover/insert situation. I like the regular comforter better - I like clean lines and the duvet/cover thing is just too "shabby chic"-looking/rumpled for me. I am getting ready to change out the duvet/cover for a more fitted, sleek comforter.
Also, the duvet insert is freakin' heavy and makes making the bed even more of a pain in the ass.
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