I do love having a silk duvet. Yeah it is expensive, don’t care right now. The point I will actually make is you can put different inserts on the inside and have the same outside. It isn’t meant to go on top of a stereotypical comforter. The insert has loops on the corners and there are strings inside the duvet that ties to them. Otherwise, the insert looks like a very plain comforter without any decorative top. What is nice is you can get heavier or lighter inserts. I have even seen weighted blankets that have the loops on them.