I get cold easily when I sleep, so I'm all for warm bags. You can always unzip if it gets too warm. (I've done my share of sleeping in ALL my clothes inside my bag.)

My artificial fluff bag kept me happy on DALMAC, even after we got dumped on with rain and it got pretty soggy. I've never had a gen-u-ine down bag, so I don't know how they do in the damp.

I use an el cheapo foam pad. Love it. Think I got it at Target. $10 or so.