Abstract: The present invention relates generally to an article of apparel in the form of a hand-worn article, such as a mitten or glove. The hand-worn article has an inner lining into which the wearer's hand is inserted, an insulating layer covering the inner lining, and an outer cover covering all of the above. The insulating layer has varied insulation to provide multiple levels of insulation to the wearer's hand. The hand-worn article so formed is capable of providing enhanced comfort to the wearer's hand. Moreover, the present invention also relates to an insulating item, such as for use to make a body-worn article. Furthermore, the present invention relates to a method of making a hand-worn article using the insulating layer to provide enhanced insulation and/or dexterity.