okay, new CD user question. don't laugh.

I put a flip cover with a flour sack towel on my 2-year old today. I folded it "for a girl" - it wasn't incredibly huge but wasn't as trim as I've seen people say covers can be.

1 - is this just something I have to get used to, versus pampers?
2 - is there a trimmer insert? I've read using prefolds with a microfiber towel in the middle? or what about an actual flip insert?

Ordering from kelly's closet this week and want to get everything at once if possible!