Yes, an infant insert is pretty warm and bulky. As Kai Hui has mentioned, how old a baby outgrow an insert really depends alot on their height and neck control.
At the moment, if you do not own an insert, you probably can get a second hand. Else, use an infant friendly carrier first? Borrow from a friend or rent from a local Sling Library till your baby can fit in a Tula ergonomically without insert?
Alternatively can rent insert or infant carriers from Baby Carriers Rental SG too at www.facebook.com/babycarriersrentalsg
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