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You are not tied to Amazon for books. There are plenty of book stores that you can buy ebooks foryou Kindle. There are even bookstores that don't require reformating. Non-DRMed EPub books are easily converted to the Mobi format and it is suppose to be eas to strip the DRM off books if you are so inclined.
The lending options on the Nook are very limited. Publishers can choose to allow abook to be lent or not and many have choosen to not allow lending. You are allowed to lend a book once, for 14 days, and it is no longer on your Nook.
It is possible to lend books with your Kindle. Most books come with 6 liscenses. You can share an account with people that you trust, such as family and friends. Six people can read the same book at the same time. If you want, you can register someone to your Kindle to lend them a book and then deregister them. The book remains on their Kindle until they delete it.
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