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10.5 togs duvet is most commonly found and suitable for throughout the year. It has moderate thermal insulation-less than winter & greater than summer duvets. They are the best bet for normal sleepers, especially if they have got a heating system in their house. The warmth of 10.5 togs duvet dramatically depends on the type of filling inserts (filling materials) as there comes a wide range of natural & synthetic filling/padding materials that greatly vary in properties & offer different comfort levels. In this article, we will be discussing the features of various paddings to help you have a better understanding so that you can make an educated guess when making the purchase next time.