so your saying a down sleeping bag will most likely get ruined if it gets wet?

Im old school and all i have ever used is a pack with an external frame. I have never used one witout one. atleast not on a camping trip so im not sure if i will like them. i guess i would like to see the pros and cons of both

when i think of a tent i think of not getting wet or i would just sleep in a bag outside. i want something if it starts pooring that its not going to come through my tent and get all my $h!t plus me wet. So basically i want something with and excellent rainfly and floor. if i have to pay more than 250 so be it. I dont like buying crap. I guess i would like to keep all my gear under or around 20lbs