I opened up the closet in the baby's room, to put something away, and found a thing of fabric that I had totally forgotten I had! Tan-ish colored, and plenty for curtains! Thick to help block the evening sun and keep the room cool, and keep it warm in the winter.
So I'm thinking I'll go with the navy/tan set, and see what other cute things I can find laying around the thrift store and stuff to decorate with. I love finding stuff in closets like that!