Methods are described for forming unitary fabric elements for use in engineered thermal fabric articles, including thermal fabric garments, thermal fabric home textiles, and thermal fabric upholstery covers, and for forming these articles, having predetermined discrete regions of contrasting insulative capacity positioned about the thermal fabric article in correlation to insulative requirements of a user's body. In one implementation, loop yarn in first regions is formed to a first pile height, and loop yarn in other regions is formed to another, different, relatively greater pile height. In another implementation, loop yarn having a first shrinkage performance is formed in first regions to a predetermined loop height, and loop yarn having another, different shrinkage performance is formed in other regions; the loops are cut and finished to a common pile height and the web is exposed to heat to cause loop yarn to shrink to one or more different pile heights.