Mine are in bunk beds. Mid sleeper. Aged 3 and 2. It doesn’t have “proper” steps but I’ve a step stool, a handrail and the bunk ladder and both can manage it day and night (they are climbers). They love it. There also wasn’t much of a choice as they share a small room and both had outgrown their mini cots/smaller toddler beds and this means they are comfortable at night.
Two things we’ve done that make a difference safety wise: the top bunk bed has additional height safety rails and a tee-Pee/diy castle top that stops them jumping on it!
The two year old is on a narrower mattress, so I’ve storage space internally the entire length of the bed and we’ve built a pillow corner separately to make a reading nook.
Eldest doesn’t sleep through, often wakes at night needing to use the loo, and there been no accidents in 6 months. However. Ours is a mid sleep adapted into bunks. I wouldn’t like her to have to navigate anything much more than three steps!
currently on holidays with a high bunk bed and she’s devastated but Im
not letting her sleep in the top bunk!