I too live in NE Nebraska and have the same issues with finding fabric. I also note that there is NO yarn shop here. I have tried buying online with reasonable success but still like to feel the weight and texture of the fabric (and yarn). Because of their business practices I won't set foot in Walmart for any reason. The proprietor of our LQS is really nice about working with you to economize. I either buy the fabric little at a time planning ahead for a future quilt or go to Hobby Lobby whose quilting fabric isn't all that bad. Also check out auctions, yard sales and Goodwill. As for color...its your quilt, you are in control and you will be looking at this for awhile. Pick what you feel comfortable with, what warms your heart.