I have to agree with you, but I think I have also found myself having so much fun finishing the tops that I rationalize by telling myself that once I have several tops done then I will (and actually have) quilt them all at the same time.
Sometimes (being up in age, as much as my mind hates to admit it - {a brainage game I just played tonight says my brain is 20 years younger than reality} the process of getting the sandwich made also seems to find small muscles that haven't been used lately.
Since starting on the QuiltsForKids program, I find I am a lot more produdctive and just surprised myself by finishing 9 quilts in 2 weeks for them! (Nope didn't work longer on them than I usually do... 3 - 4 hours a day.