"Cozy Apologia" examines the divide between romantic fantasy and reality. The speaker opens the poem by directly addressing a lover or partner, saying that even seemingly mundane objects like a lamp or a pen remind her of the image of that person. The speaker then veers from the mundane to the fantastical, imagining her lover as a knight and herself as a damsel in distress.
The speaker then returns to modern life, which is "all business," and is reminded of relationships from her youth by Hurricane Floyd, which has made landfall outside her house.
In the present day, the speaker thinks about her partner, who is in a separate office in her house. She admits that she is suspicious of how she feels satisfied by “simply what’s good” for her; it seems too easy, too straightforward, to be true. However, the poem ends with her accepting the simple and unique way her partner makes her happy.