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I've used cloth (all-in-one) over disposable, the only one problem is that such combination is too warm for me Anyway i like it more than just disposable diaper with plastic pants - feels more protective and comfortable. Also it's easier to clean and change (i dont like to wash my plastic pants ).
To me, the velcro or snap all in ones aren't as good at leak protection as the pull ons. The ones I have are thick enough that wearing them over a disposable is really overkill. I just use waterproof pants over them.
LLMedico makes some very nice pull-on, all-in-ones. My favorite are the Pink flannel covered with 'Belle Lace' design plastic, with matching, pink lace sewn around the waist and the leg opennings. Oh so pretty!