I have an alpaca wool insert. I also love big fluffy blankets, but was struggling with temperature regulation and couldn't get down because of allergies. I spent a LOT of time searching on here. I was originally resistant to the alternatives to down/down alternative (silk, wool), but i freaking LOVE the alpaca wool insert. It is SO breathable. I didn't realize what I was missing. I couldn't go back to synthetic fibers because they just trap heat like crazy. It is definitely not as fluffy as down, but it is much fluffier than silk, it has nice weight, and i have layered it with nice cotton blankets. Someone else mentioned linen covers - I also have this on the insert, and think it helps quite a bit with breathability also. Answer from LittleEarthVisitor on reddit.com