A cuddy is nice with babbies, but as toddlers and children after swimming they can nap anywhere anytime. The bow with cover works great, make sure you're stereo is wired correctly so you turn off the front speakers.
Funny story, my friends 5 year old was napping on the bow floor of my 18' boat, along came a wake from a 50' boat. I successfully rode over the first one but the second one came crashing over the bow dousing her with a wall of water. Didn't wake up.