Trial and error.
Sorry there is no magic one answer, what works for one baby doesn't necessarily work for yours. Also it will change over time, what works at 3 months may not work at six months or a year. You will probably need to increase or decrease absorbancy as time goes on.
Start with days first, maybe keep a few of your huggies aside for the nights while you figure it out.
Start out with heaps of absorbancy, very fat little bottoms, then use less absorbancy if it is working. It depends how often you are changing them too.
Personally I would start with a microfibre insert, then if that is not enough add in bamboo or hemp in behind as a good absorber. Microfibre is very quick to dry after washing.
Whatever you find is working have around 1.5 x the number of inserts as pockets, as the pockets dry faster.
HTH and sorry for the lecture