Yea that's why I 'same same but different' LOL
A duvet is usually just white with stuffing (feathers, down, cotton, etc) and you buy a cover for it that will match your bed set. A comforter has the same purpose but is almost always cotton (or hollow fiber) filled, and instead of whit and needing a cover, the outside is already its own cover - so yes think a child's Disney comforter, or Cars, etc.