Very comfortable for 3 nights, I used it with a new queen size air mattress. The fit was great for an air mattress, and I felt perfectly comfortable every night in an air-conditioned condo for a few April nights in South Texas. I prefer to stay cool at night and had no problem with being too hot. I'm willing to say it would be perfect for me all winter in Wisconsin. Appears to be good quality. Can't comment on how the duvet cover works as I've only used it as is. Very impressed for the price and could have just bought more.
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