It's about a 50/50 for me. I learned. Back when I was crocheting 3-7 afghans a year, I gave them all away (many to my local fire department to wrap up traumatized kids). Now that I'm in my 50s with arthritis, I have ONE. So, with quilting, I keep roughly half the quilts, but give the other half primarily to family members, people who have been important in my life and a few for charity. The ones I make for charity primarily are geared towards teenagers and donated to the children's hospital. When one of my own quilts no longer appeals to me as much as a new one just finished, I always have takers. Not much need for baby quilts, but I have several go-to patterns to make one in a long weekend as a gift.
I don't usually make wedding or graduation quilts unless I know the person would welcome a hand made quilt. It's too much money and time to invest to find out that they got rid of it almost as soon as they received it.