I do home daycare, and here in MN the rules for sleeping infants (up to 12 mos old--the first birthday...seems like a very arbitrary date, but thats what it is)...we can have nothing but the baby in the bed. I dislike it as I have little ones who have blankies (a "taggie" boy in particular). Plus I keep my house pretty cold all year round.
My own child is almost 17 and always had something. She was (still is) a blankie-a-holic! At 22 months she was in a toddler bed! Crud...if she could potentially FALL OUT of the bed, she sure as heck could have a pillow and blankets...gee whiz. Mine was a blanket-over-the -ace sleeper. Still is. Freaked me out, sure. But all was well.
I just hate all the regulation and the fear instilled into parents. In a daycare setting, I can see the need for a tad more caution. It gives the inspectors and trainers something to be specific about and a standard to set for us in a group setting, when we have (typically) more quantity of children to check on while sleeping and to care for and monitor about these sorts of things...but I dislike all the freaking parents out. Do you really think every 3rd child died 100 years ago due to having a blanket in their bed? Not likely. They had fireplaces in rooms for heat and used thick blankets. They were our relatives....thats why we are here! JMO~
Good luck with your decision!