There really are no rules with quilting and quilts.
I paid big money a few years ago for a hand worked quilt made in Tibet. I love it. It's a rusty/red color with some kind of thick threading used to embroider it and mirrors all over it. To me, it is functional art. I use it for several months of the year - when kids aren't around - then switch to other quilts. That lets me change the look of the room with very little work.
My DH is worried that the quilt will be ruined by using it. I tell him that my enjoyment of it is ruined by not using it!