I've never owned a down bag and am thinking about investing in a high quality bag.

I understand this is a relative question but generally speaking, how long will a down bag last before it really starts to lose it's rating, assuming it's stored correctly and cleaned / dried when needed?

When it does start to loose its rating, can it be sent in to have new fill added? What does that typically cost? i.e. is this cheaper than just buying a new bag, etc