My 2 cents/bullet points:
While I'm very pro-24V for stepper motors, there is a much wider range of fan (and LED, etc.) choices at 12V. So I have a fanless 24V supply for my steppers and hotend heaters, and use an inexpensive switching regulator (I used one of these: https://www.aliexpress.com/item/LM2596-LM2596S-ADJ-Power-supply-module-DC-DC-Step-down-module-5V-12V-24V-adjustable-Voltage/32271465162.html) to supply 12V for fans and any other 12V accessories (Duet Wifi conveniently and simply supports a different voltage for fans).
While I'm also a proponent of using mains power for bed heating for the same reasons DjDemonD listed, if you insist on 24V then a separate supply for the bed isn't a bad idea (apparently I'm just copying DjDemonD's notes for this bullet). While the average power usage will be much lower than bed+hotend1+hotend2+peak stepper current, etc., you still have to size your PSU for the peak, because these switching power supplies don't have much energy storage to handle transients above their rating.
That toaster analogy is a good one, DjDemonD - the inefficiency of converting hundreds of watts of mains power to 24V to warm up a resistor makes the efficiency expert in me cringe! π