What do you consider affordable? I’d probably err on going with down even if it is one of the cheaper down bags. Can’t beat the weight and packability of it.
If you truly need something cheap, it will cost you. In weight and bulk. I started hiking/camping with a military sleep system which is a true 0-ish system that has a light bag, heavier bag, and gore tex bivy that comes in at a grand total of like 10 pounds and takes up the space of maybe 8+ liters. Can be found cheap, but once you pack and carry it a bit, you will realize you will really prioritize somehow coming up with a couple hundred more dollars for a down bag. If you are not hiking with it, and just need to unload it from the truck to the wall tent, the military sleep system may be hard to beat for warmth and price