I understand your feeling about the quilt but I'd still double-check with her about the top of the quilt getting more abuse. She might really appreciate you pointing out the fact. Folks who don't sew or understand the construction process don't always think things through very well. The reason I say this is from working with customers who were often grateful when I'd point out something that might work better for them. If after it's brought to her attention and she still says she'd rather have it made with the stronger fabric on the bottom so be it. Then go with her choice. Just my opinion, take or leave it.