One thing to keep in mind is that there is more to public library borrowing than just Overdrive. Your library may give you access to other collections which have books not available from Overdrive, in which case you will probably need ADE to borrow from those collections.
In my case all of the collections I have access to are epub/PDF only, and all (except the DRM-free ones) use ADE for downloading. So the Overdrive app (or a reader with Overdrive integration) is not enough to access the full range of ebooks available from my library.
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