The hard part about doing it with a hidden layer of PUL and cotton on the outside is that where the fleece and the cotton meet at the outer edge, the urine will likely wick onto the cotton, which will get baby's clothes wet. Does that make sense?
The only way I can think to do it and not get that wicking is to use a PUL binding around the edges or bind with FOE (fold over elastic). I think that would keep wicking at bay and has the added advantage of not having to do a binding, stitching (or surging) and elastic in all separate steps - the FOE takes care of it all!
Before you get started, just make sure you are using poly thread, not cotton, because cotton thread can cause wicking, too.
Maybe that's a way to keep your cute prints!
Christina, Mama to Salvador (3 yr) & Santiago (6 mo)! www.footprintsbaby.com Life has gotten too busy - Come shop our going out of business sale! Cloth Dipes & more.