What are you using the bag for? For how long at a time? What are you storing it in while travelling? How important is cost vs. low weight and bulk?

Don't be paranoid about getting down wet - be paranoid about getting any sleeping bag wet. Sure synthetic is easier to dry, but that won't help you much in the middle of the night.

Many down bags don't have baffles between the top and the bottom, so you can shift the down around a bit. Varies between brands and models.