I agree with you, I figure it's my quilt so I only have to please myself. Of course if I'm making a quilt to give away, I'll try to pick colors that...
Ive never done a quilt for money but from my reading here & other places I'd say you should charge by the hour. Since you aren't providing materials...
I have 4 adult children, all married, 9 grandchildren, one more coming in May, I have sewn since I was very young but just started quilting at then end of 2012. I love MSQC and Jenny of course. Wish I still lived in MO so I could visit.