I’m starting to think about this and I probably won’t do either. I’m planning to use a quilt to start. I’m looking at quince because they have organic cotton at good prices.
Duvet cover goes over a comforter but I prefer it, easier to clean if needed
I bought a twin sized Pillowfort quilt from Target and folded it in half to fit the toddler bed. In the winter, we add a fleece throw blanket on top. My son was 2 when we started using a blanket