Comforters
There are several options for buying a comforter. Your climate and the average temperature of your home will determine which comforters are best for you.
Cotton comforters 
with either all cotton or mixed synthetic fillers are very common and fairly inexpensive. They are of average warmth but should be avoided in damp and humid climates because humidity reduces the cotton's ability to retain warmth. They can be used alone or they can be dressed up with a fancy duvet cover. (Flannel will make the blanket a little warmer.) Often you will find bed-in-a-bag sets that include cotton comforters.
Down comforters are luxurious and toasty, but can be overkill in warm climates. However, in colder ones they are perfect and well worth the money. They are extremely warm, weigh relatively little for their size, and take up relatively little space. When buying a down comforter you will choose amongst fill power ratings from 600-800. The higher the rating the better the quality. It means that the comforter will be warmer and last longer. Fill type dictates quality, price, and convenience. The best are the purest: Siberian, Hungarian, goose down, duck feather and down, and duck feathers. Beware that when a comforter is labeled 100% down, it is actually a maximum of 75-95% pure down.
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To see the difference between comforters and duvets, also check out What is a Duvet or Comforter Cover.
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