A composite fabric product is produced which has a unique three dimensional conformation. The composite fabric product is made from at least two layers of fabric that are stitched together according to a pattern. After the layers are stitched together, the composite fabric undergoes a shrinking procedure in which one of the layers is shrunk more than at least one of the other layers causing the non-shrinking layer to form a three dimensional surface. This material can be made with a variety of fabrics and fills in order to optimize insulation, flexibility, cushioning and moisture management properties.