In reply to Murg:
Down + = lightweight, small packsize. Lasts 4-5 times longer than a synthetic bag, so not actually as expensive when considered over the life of the product.
Down - = rubbish when wet and takes ages to dry out.
Synthetic + = good performance when wet and dries quicker. Cheaper initial purchase.
Synthetic - = Higher weight and bulk than down, especially at cheap end of the market.
If you're mainly camping out of the back of a car, then a decent quality synthetic bag will be all you need. Avoid the cheap ones with the polycotton inner fabric, though.
If you're planning on carrying it, then a down bag should be a lighter option, although even in a tent I'd be inclined to use a bivvy bag, unless you get something like the ME ones with the DriLite outer, or MH ones with Conduit outer. In addition, if you use a bivvy bag inside a tent, then you're adding extra insulation, so you can then use a slightly lighter bag for the same warmth, so the weight issue should trade off in this situation.
In summary, if weight/size is an issue, then go for down. If not, then a top synthetic one is so close to down in terms of performance, but without the hassles of ownership, that I'd probably go for one of those.