Christine, your bags are fine... just need a good washing. They'll last 20 years, easy. Don't dry clean, the chemicals are generally too harsh for down. The reason your down is all clumped up is that you have too much of your own body oils built up on it.
My WM Antelope had lost a lot of loft; I washed it once, dried it thoroughly, and it still didn't loft well, still a bit clumpy. I called WM; they said to wash it a couple more times. I washed it in one cycle, left it in the machine, washed it another cycle, then dried it thoroughly again. As good as new! You don't want to overwash a down bag, but you do need to wash it every now and then!
Use a down soap, get a few rolls of quarters, and go to your good local laundromat. Use a front loader only, triple loader. I throw in a couple towels to weight the bags a bit (they tend to float on top of the wash water otherwise). Leave the bags unzipped to allow water to penetrate easily. Run the wash. Since your bags are so bad, you might want to cycle it three times, fresh soap each time. Very gently take the bags out of the washer, put in a centrifuge. From centrifuge into dryer on low heat. I like two big tube socks with two tennis/racquet balls in each. Dry thoroughly. You'll be there just short of forever... I do encourage thorough machine drying; I've seen many partial dries that end up with the down still clumpy.
Down is really great stuff, but you do need to take care of it and maintain it.