huge hugs.
We've only just done the BGB transition now, just short of 3 yrs. I kept Emma in a sleeping bag as long as I could as the BBB transition with my DS was awful at just short of 2 yrs (he broke the cot by jumping in it).
We've been without a daytime nap consistently since your DD's age, dropped around 2 yrs with a nap thrown in here and there due to OTness or illness.
Emma's been really ill lately and ended up sleeping on her cot mattress in our room for a week so we could check her during the night (fevers to 41 degrees :-((( and after that, my big girl refused to go back to her sleeping bags....
We've been fine so far but I think its all down to age as well.
your DD doesn't have a sleeping bag? And wouldn't go in one? If she would, it would stop her climbing out as well.
I think there are personality types unable to do the BBB/BGB transition at 2 yrs, at least without a LOT of help from us xxx