In reply to maxsmith:
High fill down is usually the best option unless you are planning to get it damp all the time. It does cost a bit, but how often are you going to replace it?
How cold do you sleep? I am relatively warm sleeper* and would describe myself as a decent sufferer, so 400 down fill bag does work all year round, including nights on snow in Scotland with occasional help from whisky and/or merino wool base layers.
P.S. Keep an eye on what side the zip is located at. I got a left hand one as I bought my sleeping bag second hand when I was a student, but I would happily pay more (not extra!) for the right hand side one since I sleep on my right side and I am right handed. It's not worth £200-300 now to replace it, but one day...