Overstock.com offers the Milena Reversible Distressed Medallion 3-Piece Duvet Set
in five colors for $29.69
for shipping. That's the lowest total price we could find by $16. It's available in twin, full/queen, or king, although not in all size/color combinations. It includes a 100% cotton duvet cover plus two polyester shams (one sham for twin-size option).