A two-piece wearable absorbent article (such as a diaper) including an outer cover and an absorbent insert for use therewith, are disclosed. The outer cover may have a first hook-and-loop fastening system that provides for removable and refastenable and adjustable fastening of the outer cover about a wearer's lower torso. The absorbent insert and outer cover may have a second hook-and-loop fastening system that provides for removable and refastenable fastening of the insert within the outer cover. The first and second hook-and-loop fastening systems may have respective holding force and acoustic characteristics within advantageous performance ranges, individually and with respect to each other.