Both those types of finishes have solvents in them that can be harmful if absorbed in higher amounts. And both of those will continue to off gas for awhile after completion of the floor. Which is worse to infants is not my area of speciality. However, if it were me, I would choose a tough waterbased finish that will cure faster and lesson the environmental impact. My choice would be Bona Traffic. I can't say if Traffic is tougher than moisture cured urethane but it is tough, and tougher than oil based. If you can thoroughly air the house out for awhile prior to re-occupying it, that would be best, regardless of which finish you choose.
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