If it is an art quilt I plan to hang on the wall, I quilt it myself no matter the size. If it is a more traditonal/pieced quilt I plan to use on a bed or hang on a quilt rack, I usually send it to a long-arm quilter - I enjoy making the top but don't enjoy wrestling with the quilt under the machine and she does gorgeous work.
I guess my "philosophy" is I'm not as concerned about the entire quilt from start-to-finish being 100% "my" work if it is going to be on a bed or folded up. I do care if it's one of my art quilts as those are more often seen by people to "oohh and aah" over when they come to my house...I want those to be all my work including the quilting which is usually something a longarmer wouldn't do anyways with all the "stuff" I add to my art quilts, LOL.
Tanesha