On February 26th, Kindle customers will lose the ability to download eBook purchases directly to their PC. If you want to switch to a rival eReader brand in the future, I suggest that you use the soon-to-be discontinued "Download and Transfer via USB" feature to archive your Kindle library.
Overdrive (which is Libby) integrates directly into the Kobo OS so you can borrow books directly on the device instead of the roundabout way you have to do it on the Kindle.
Overdrive's being phased out and being replaced by Libby according to the 2 libraries I frequent. I wonder if it will still be supported on Kobo OS once the website and apps are shut down?
My library has used Libby for years. It's another version of Overdrive. My library books download to Kobo fine unless they're changing something else I don't know about.
Long story short, I'm either not using their service anymore or using DeGourou https://github.com/Bingwithyou/DeGourou to make the content legally loaned actually usable. Sad state of affairs but I'm convinced none of the actual librarians, namely people who care for making knowledge discoverable and accessible like that. I'm sure they've been coerced by same big publishers.
The librarians I've talked to simply don't know how any of this works. I've been told 3 times (the 3rd one today) that epub version of books are not available. Today it was a "trained computer aid that offers technology assistance" saying the epub format I download just last week is not available from the library.