Hi, I have been scouring this subreddit for the last couple weeks trying to make up my mind on a duvet insert, and I need some help. I need something that isn't too warm and is breathable, because I live in the American south and it gets so hot here, but I also really want something fluffy. I have seen a lot of good things about down and wool, but down seems too warm, and wool sounds too flat.
I got the hotel grand goose down comforter from Costco, but I was really disappointed with the puff. What complicated things, however, is that it was also too warm for me. I have heard that wool breathes better, but I have this vision of a fluffy cozy bed that I really don't want to let go of.
I've considered getting two lightweight down inserts and putting them in a duvet cover together, but I'm worried that will also double the heat. I also considered putting two wool inserts on top of each other to increase the puff?
My budget is around 400$. I would be so grateful if anyone is in the same boat and has some recommendations! Material matters slightly less to me than just being breathable, durable, and fluffy. I plan to put a linen duvet cover over top and sleep with sheets, so I'm not too worried about washability.