I only bought their finishing kit once...all the other times, I used the blocks and made my own style quilt with them.
You don't need the finishing kit - they are usually really high priced. And I agree with Stewy...they are usually trying to entice you to buy something new.
I went in their every month and picked up my block and left...never purchased anything from them...but lots of ladies were lined up at the counter spending $$$$$