First of all let me say i don't think it's a silly question. I can't for the life of me understand why all this puffy bedding is still available when it directly contravenes safe sleeping practices. I lost a four month old baby boy to sids 5 years ago so I get pretty irrate about it.
Not adding puffy bedding to the crib is definitely one of the most important sids prevention measures. You can keep your baby warm by using a sleeping bag - it's much safer.
A note about co-sleeping - it is considered safe if you follow strict co-sleeping guidelines and there is evidence to suggest that a baby sleeping in the same room as the parent is less likely to succumb to sids than a baby in a separate room in a crib.
If you still want to buy a pretty bedding set there are some nice things you can do with it. Here are a few unique nursery bedding ideas I found. You can use the comforter as a wall hanging for example or use the bumper to make a window valance.
Please click on the links to read all the information about what you can and can't put in the crib and to get accurate info on co-sleeping.
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