This is the softest duvet I have ever owned and exactly what I wanted. I have a queen-size bed but ordered a king size because that was the only size available in the color I wanted. However, I lucked out and it fit better than I expected, does not touch the floor. I have a queen size insert but it worked just fine and you can't tell that the insert is a different size. So if you decide to go bigger but don't want to spend more money on an insert a queen size is okay. There is little to no shedding, even if it's accidentally pulled. The color is true to the picture so you don't have to worry about getting something you didn't want. The only thing I would suggest to improve the duvet would be to add in a way to keep the insert in place. Regardless of what size you get the insert can move.
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