I would just about have to agree with Caroline Scott, on the definition. Formal gardens may have clipped boxwoods & that sort of a "backbone", or framework, to plant within.
While cottage gardening in my mind, includes perennials mixed with a variety of annuals, maybe some unusual herbs, biennials, roses, Iris, Lily & the like, with some forethought, as to planting lower growing plants mainly nearest the borders edges, if near a path, with some occasional plants dotted here & there, to stand out & may also be located near the edge, so as to be admired up close, to stand out or be enjoyed for their particular fragrance.. You might try looking at some landscaping images here, or in Google, or magazines, to get ideas.
Some indispensable ones may include bulbs, like tulips, crocus, daffodils, hyacinths & others such as Alliums. Some.Myosotis, Pansies, Iceland & annual poppies, Foxglove, Eryngium, Canterbury Bells, Iberis, Alyssum saxatile, Dianthus, etc... & the list can be extensive,too & may include vines, as in Clematis & morning glory.
I'm not so sure, it would have some extremely modern looking hybrids, if it is to look more like that of a typical turn of the century cottage garden style.
Unless they don't differ too much in appearances, from many species, or older cultivars. But I suppose you make of it, what works best for your climate, zone, soil conditions & light exposure, etc & plant accordingly...
It would almost be like a formal straight border, that is on either side of a lawn to walk down the middle, but instead, winds around the house, informally laid out, except, so as not to appear "planned.". As mentioned above, more natural looking, although created & purposely planted that way, without looking as if it were...