I'd go for a Weatherbeeta Landa Lite Combo - really good rug. Retail normally about £65 but you can pick them up cheaper.
Think Mark Todd do a brown check similar version.
Yes! I buy them to put over my more expensive rugs without necks, I have a few different makes, I have just ordered one off EBay for £35.99, this is the one I have ordered, but it was cheaper on EBay
I have a Rhinegold Lightweight Torrent combo... just a cotton liner, its still going strong after three/four years. Around £32 on ebay now and goes in the ordinary washing machine!
Weatherbeeta also do the Tristar which allows you to have a hood on or off, a LW turnout, or add another 300 or 600 rug to the whole thing. Very versatile.
I buy Amigo's, have a full selection of different weights and a couple of necks.
Best place i have found for them is cybercheckout, loads cheaper than anywhere else i have found.