Should I buy throw pillow covers only or covers with inserts?

Cover-only sets are dramatically cheaper and let you swap looks seasonally, which is why community threads on r/interiordecorating and r/Decor consistently recommend them. If you don't already own inserts, pair a cover set with a high-fill insert like Utopia Bedding's—Reddit and YouTube reviewers note that cheap flat inserts are the single biggest reason throw pillows look sad.