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B&N (nook) uses a tweaked version of epub or a tweaked version of ereader, both of which require a credit card to unlock their DRM schemes. Which means (so far), that their books can be read on their device and their reader software, only. The same as in the Kindle store. iBookstore books can only be read on the iPad (and only shopped for, from there).
So far, Sony and Kobo have standard DRM on their epub files (so, you are locked into Adobe, instead; with B&N you need Adobe, as well, I suspect). If you are avoiding lock-in, you have to pick non-DRM only, but that means you'll skip most mainstream titles, for now.
If your library is adding ebooks instead of paper, so far it appears that the nook, Sony and Kobo (can anyone confirm) are your best choices, providing they pick the epub format (the most common, lately, and most likely).
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