Unitary fabric engineered thermal fabric articles, e.g. garments, home textiles, and upholstery covers, and elements for use therein, formed according to this disclosure, have predetermined discrete regions of contrasting insulative capacity positioned about the fabric article in correlation to insulative requirements of a user's body. For example, in one implementation, loop yarn in first regions has a first pile height and loop yarn in other regions has a different, relatively greater pile height. In another implementation, in first regions, loop yarn having a first shrinkage performance is formed to a predetermined loop height and in other regions, loop yarn having a different shrinkage performance is formed to the predetermined or other loop height. The loops are the cut and finished to a common pile height, and the continuous web is exposed to heat to cause loop yarn to shrink to one or more different pile heights.