If your priority is a low price, lots of warmth and something that will hold up for years, look no further than a 30 degree rated* sleeping bag. A lot of sleeping bags have very fashionable patterns on the inside, so unzip it and showcase that on your bed! Sleeping bags are almost always cheaper in cost than down comforters (I've seen down comforters for several hundred $!) and will be warmer and outlast them as well.
*Rough rule I use for sleeping bag degree rating is get one that is rated at least 20 degrees colder than the temperature you're expecting and you will still be very warm. Thus, even if you're very mustachian and have your indoor nighttime temp at 50-55 degrees, get a 30 degree bag and you'll be toasty.
Once you try it, you'll never go back!
- Chops