I've used down bags for 35 years and as long as you keep it dry, you'll be ok.
With down, generally, the more you spend the higher the percentage of down in the bag. Cheap down bags have a higher percentage of feather in the mix, which isn't as good at insulating.
It also pays to have a lightweight liner, such as silk as you don't want to get the down bag dirty because they're not as easy to wash as synthetic bags.