This may sound silly, but this is what goes inside of a duvet cover right? new to the whole duvet thing..

Two more designer tricks. 1) get the next larger size for fluffiness and just stuff in and pouf out. 2) have a king and queen on yr bed for couples, you can each have one for sleeping. It also allows you to get queen covers that are cheaper or if the king is sold out. I prefer to sleep w a queen, if fits me better. So i have the bottom in a neutral white or grey, then decorate w queen on top. It can be turned sideways. I also always use the lingerie satin. This trick helps ppl w pain or sleep issues move much more easily. You can order sets from the uk with satin cover, bottom sheet, and 4 envelope pillow cases for 30 usd with 15 shipping. They are so soft and fine i need to replace every couple ys. I use charcoal, silver and white. Read amazon uk and learn. Their design options are also much better. Remember to tuck the bottom in. Overhang is so ugly.

should I also buy a duvet cover? or is just this enough

A good duvet cover is going to cost 4 or 5 times what this comforter costs, depending on whether it’s flannel, sateen, percale, linen, or regular ole cotton. In fact, a fancy linen cover would be easily 10-12 times the cost of this comforter! This is a wonderful comforter for this price, and I can buy another one easily. You can also buy sheets (same fabric choices) to protect the comforter if you’re a sweaty sleeper at a much lower cost. To me, for a great but inexpensive comforter, the main reason I’d get a cover would be to have a quick change of decor for the room on hand.

What is the fabric content?

The tag says the cover is 100% cotton, and the contents are 100% goose down and feathers. This is May of 2021 so I don't know what it was in 2016.

Would this comforter be good in an unheated bedroom in upstate NY during the winter?

I guess what is warm or not is subjective. I first tried this comforter inside and found it was way to hot. So I put it in my camper. During the fall trip it got 15*F one night at 6000 feet. Camper was 40* inside and this thing kept me warmer then most any sleeping bag I have used.

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🛏️ Elevate your sleep game with Utopia’s cloud-like comfort—because your bed deserves the best.

EFFORTLESS DUVET SETUP - Corner tabs keep your comforter perfectly in place—no more frustrating duvet cover slips.
ALL SEASON COZY COMFORT - Siliconized fiberfill delivers plush warmth without overheating, perfect for year-round use.
DURABLE STYLISH STITCHING - Elegant box stitching not only looks crisp but locks in filling for lasting loft and shape.
EASY CARE LASTING FRESHNESS - Machine washable on gentle cycle for hassle-free maintenance and enduring softness.
GENEROUS CALIFORNIA KING SIZE - Sprawling 96" x 102" dimensions ensure full coverage and luxurious bedding presence.

The Utopia Bedding California King Comforter Insert features a spacious 96" x 102" size with durable box stitching and siliconized fiberfill for consistent loft and all-season warmth. Designed with corner tabs for easy duvet cover attachment, this machine washable comforter combines practical convenience with elegant style, making it an essential upgrade for any modern bedroom.

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Manufacturer	Utopia Bedding
Model Number	UB1181
Package Dimensions	44.3 x 34.7 x 18.5 cm
Material	Polyester
Color	white
Size	キング
Special Features	Breathable, Convenient size, Durability, Durable, Machine washable, Ventilation
Package Weight	3.38 Kilograms
Batteries Required	No
Batteries Included	No
Material Care Instructions	Hand Wash Only
Brand Name	Utopia Bedding
Country of Origin	Pakistan
Item Weight	2.5 kg

Utopia Bedding Comforter Insert Quilt Comforter with Corner Tabs Box Stitching Down Alternative Comforter California King Size (White)

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