I have some left over microfibre and bamboo fleece

so i thought i would make a few smaller (not trifold) inserts for inside AIo - like the magicalls etc or flats.

Now do you have to use polarfleece on top of microfibre or can you use a cotton?
Will this cause a problem?

Ie

Cotton
Microfibre
bamboo

Or would i be better off as

bamboo
microfibre
bamboo