I like the panel and would leave it whole. I'd add a small bright border and then another wider one of a cute print, meander quilt it, bindit, and be done. I think it will make a very cute quilt. If you use fleece, I don't think I'd add any batting. I like the variety and different sizes of everything, but understand that every one can't handle that! And that's okay, God made everyone different and special for which I am thankful.