Probably the limiting factor for most people in choosing a sleeping bag is going to be price, that would be the first question to ask your friend. I'm sure everyone wants a top quality -20 degree, 800+ fill, 1.5 lb bag, but nobody is willing to shell out $600 for it. There are a lot of really good bags in the $200 range, but it might be overkill if you only want a car camping bag.
I don't do a lot of camping but wish to keep a sleeping bag for bugout purposes. Due to my location, I am forced to consider owning more than one bag to deal with temperatures anywhere from 0-100 degrees F. I'd like to have one bag that will accommodate liners that easily zip in and out instead of multiple bags. Does such a bag exist? If so, would this be the most practical approach?
Are you really going to be using a sleeping bag in 100 degree weather? Even a summer bag can be pretty warm in 70 degree weather. Instead of getting multiple bags, I would just concentrate on the lower temperature ranges, and if it's only for emergencies use only, I'd really only be concered about anything below 50 degrees. Now you've just cut your temperature range in half. In addition to what Jim said, there are a lot of things you can do to adjust the comfort level. The shelter and the sleeping pad are equally important, and can add or subtract to the temperature rating of the bag. A full length zipper allows me to use my 15 degree down bag in 60 degree weather without overheating, or some extra clothes, a good hood and a liner can bring it down closer to 0 degrees. So one bag can cover a pretty wide range of situations. Some people even boil a hot bottle of water to keep next to them while sleeping, or use those chemical heating pads.