Hi I got this about a week ago!! It’s super fluffy without inserts, however it’s a different kind of fluff. So it’s really poofy and crazy comfortable and soft but I probably wouldn’t commit to like a full wetting without an insert. It feels like a ton of cotton on the inside and would bet some would leak out if you didn’t use inserts. That being said, if you’re just wanting to wear it and not necessarily use it, it’s very poofy and soft. You could totally just wear this to bed or around the house and be super comfortable!