Safe sleep / bedtime

So I practise safe sleep with my girl in her cot, but she has a new habit of ripping her sheets off her bed before going to sleep. If I go in to remake the bed or take the sheets out she kicks off to get out of bed. She’s a perfect sleeper / self soothes to sleep and goes all night. Is it safer to remove her sheets (mattress protected and cot sheet) completely before putting her to bed so she can’t rip them up or do I let her do it and sleep with the lose sheets? I feel like I should be doing the first option but we risk destroying her mattress with milk etc 🤦🏼‍♀️ Hopefully this phase doesn’t last too long 😂