I charge 1.5 cents per square inch for pantos and 2 cents per square inch for simple custom..ie in the ditch and meandering. I too will not do heirloom.
I charge a modest increase in the price of batting,, but not full retail.. right now it is $6 per yard for Hobbs 80/20 until I have to buy a new roll, then the price will increase based on the new cost at the time.
I dont charge extra for thread.
I charge actually shipping costs.. I dont make my money on shipping but on my labor.
If you want a panto that I do not own, I will discount the price of the quilting by 1/2 the price of the panto. In other words, you pay for 1/2 of the panto price,,