mlhr,
Wearing cloth has been easier than I anticipated because 1) I am highly motivated to make this work, 2) I am willing to experiment, and 3) all of the many helpful suggestions from others on this board helped me to avoid most of the beginners' mistakes and accelerate my learning curve.
Best of all, I have not had a single leak while wearing cloth, either at night or during the day!!

That makes me a very happy camper indeed!
For me an even biggest payoff is not the physical aspect of not leaking onto the bed linens but the stress relief or peace of mind from not having to worry about it. Due to back pain, I toss and turn all night long, changing from one side to the other. Now I don't worry about it.
Of course, it does require a little more time to rinse the diapers and launder them thoroughly to avoid the dreaded cloth diaper "stinkies" or "diaper funk."
Of course, by wearing cloth at night and sometimes during the day I calculate that I am saving about $950 a year. Let's see, how many craft beers can I buy for $950?
--John