Pros: (1) the duvet cover is soft and cool/breathable and very comfortable, and (2) when washed, it tones down the crinkly sounds the crisp sound comforter makes on its own.
Cons: 1) Doesn't come in Black (Navy is a dark navy, so it's just barely acceptable as a substitute for black). 2) Must tie on corners of comforter itself, as there's no loops on the comforter to aid with attaching to duvet cover 3) Duvet cover doesn't have any pattern or texture, so every dog hair shows up. 4) Duvet cover makes the comforter a bit smaller than expected, bc it doesnt have any extra area over dimensions of comforter, so the comforter puffs it out and then the comforter-in-duvet cover doesn't extend as far down the mattress sides as calculated based on given dimensions. i.e., have to choose between covering mattress side at bottom/feet versus pulling comforter-in-duvet cover up far enough to hide the sheet under the pillows/shams, when I would prefer both types of coverage.
On balance, the comfort and quality is enough to favor keeping it despite these shortcomings.