Insulation and Weight
Depending on the intended application, the highest available fill power may not be necessary. A high fill power will provide more insulating ability for a given weight of down. The warmth of a down comforter depends not only on the fill power, but also on the quantity of fill. So the difference between a comforter with 550 fill power down and a comforter with 700 fill power down is that the 700 fill power down comforter will be lighter for the same warmth rating. High fill powers are most important for weight sensitive applications such as backpacking.
Down (or any insulation) provides warmth by trapping a layer of air that separates the cold side from the warm side. A thicker layer of trapped air gives more insulation. This thickness is often called "loft." A comforter that uses 550 fill power down, for example, would have to use approximately 40%-50% greater weight of down than a similar item that uses 800 fill power down to provide the same loft.
Read more about this topic: Fill Power
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