Hello Mary, I'm Dr. Deb.
I recently came online and see that your question about Fluff hasn't been answered. I'm so sorry that you've had to wait for a response,but if you still need assistance, I'd like to help if I can.
Hopefully, Fluff has already managed to find her way home. It's possible that she was trapped somewhere and has managed to escape and come home to you.
But if she hasn't, it may reassure you to know that I've heard some incredible stories of cats being gone for even longer periods of time (months) and yet they came home. Some cats can travel great distances so even if you don't have close neighbors, I'd check with those you do have, if you haven't already.
I've also heard stories where cats managed to hide in a visitor's car and travel some distances away from their home so think back three days ago...did anyone visit you who might have then transported her to another location.
I would suggest a Hav-A-Heart trap but it sounds as if you may catch any number of critters other than her. But something to consider since you could check it several times a day.
I know you're worried that she might have come to a bad end; I do so wish I could reassure you that this isn't the case but it's possible. But don't give up hope yet; she may surprise you and waltz right into your home and wonder what all the fuss is about.
I truly do hope this is the case.
I hope this helps; again, my apologies for the delayed reply. Deb