Fill power is basically a measument of loft. They only are performed under selativly strict guide lines, though. They do NOT take into account real world conditions for a sleeping bag. The EN standard allows for this by simply saying fill is 800+. Yes, there is higher loft measuments. But the weight of the dirt, the humidity, and temperature all have minor effects on the loft of a batch of down. Air pressure has a minor effect. In the US, the manufacturors go out of their way to wash down till it is "crispy", removing all the dirt (and a lot of oils) to remove any excess weight. Allowed, and it makes the down a bit stiffer. They dry it to near absolute dryness. Again, it is allowed but most down in use has 3+% water content making it slightly heavier, it would pack tighter in a test. And so on. No, they do not cheat, they just test to the limits of the test. The result is high fill power numbers. 850, 900, 950 and I have even seen 1000 bandied about.
In the real world, while camping, Anything over 750-800 is probably wasted. On a pound of fill, you *might* save an ounce or two at 900-950 fill The whole bag would be 2-3oz lighter, provided you used 2 pounds of fill. 2 pounds of 800fill down is roughly a 0F or lower bag. You are bumping in to diminishing returns. If you want the best, I wouldn't consider goose down, but go with eider down. It "clings" better forming a much more even layer, hence much warmer.
While sleeing, your body will evaporate off about 2 liters of water over 8 hours. This adds a lot of moisture to a bag. Mosture that needs to be convected out of the bag. So you need some heat loss to allow for this. Too heavy of a bag will just get wet inside, leading to a cold night. Too light of a bag means you get cold. Most bags will only perform well within 10-20F of their rated value. Don't overdo it.
The super fills (over 800) are of questionable utility anyway. In damp conditions, you loose any advantage in loft right away. The down gets sofer, more resiliant and compress far easier than 750-800 fill down. On most mornings, you will find that 900FP down bags are actually less lofty that an equivalent 800FP bag and may be less warm. You might find that the 2-3oz you might save will be needed anyway to maintain the loft overnight, negating any savings due to increased fill. The only time it helps is when you first crawl into a 900FP bag. After that they degrade over the night more rapidly than 800FP. I don't care to wake up at 0200 getting cold.
If you do a lot of desert camping, sure, go for it. In the PNW or the NE, or if you hike around water (Great lakes, oceans) more than 800FP doesn't pay. For inbetween, it is about even. In Ontario, I would suggest that it is similar to USA NE conditions. At least the last ime I was up there it was, 'cept a few degrees colder and less mountainous.
Well, the water resistant down might be better for loft. But I don't really care for it. It will not prevent condensation. It might help with sleeping in a lake for short period of time. Or sleeping in a rainstorm for an hour. If you like it, I see no harm with it, though. The jury is still out for me. It will take some real returns on usage over the long haul(10 years) to make any measuring possible.
EDIT for correction
Sorry all, that should be about 1-2 POUNDS of water, not two liters. My bad…
Edit on Edit
Acually, I was using the AMERICAN standard . . .