I am very partial to a down comforter with a duvet cover.  For one thing, it allows me to change out the look of my bedroom for winter or summer...the down is comfy all year round.  I had a lavender cotton brocade duvet that I really loved, but after almost 10 years, the poor thing is pretty threadbare.  And parts of it are not so lavender anymore.  Which brings me to point number two about why I like a duvet: it's easier to wash the duvet co...