If you live in the US, the Kindle has phenomenal integration with OverDrive. When you check out a book, you get a link to redeem it on Amazon.com, and the book appears in your Kindle Cloud for the duration of the loan. Much easier than checking out and downloading .acsm files to authorize through Adobe Digital Editions, which then must be sideloaded using ADE to Kobo/Nook/Sony. Most books have the option to checkout as a Kindle Book.
But libraries outside the US don't offer Kindle Book as a checkout option, so the only choice is Adobe EPUB.
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