It's a really good point actually, maybe I do need to adjust my thinking somewhat.
I bought a kit really cheap a while ago, on sale, and just "threw it" together as a couch quilt for the kids. It wasn't quite big enough so grabbed some extra fabric that matched and just extended either end to make it bigger.
It turned out nicely, but is for "using", so between the kids and the dogs I don't expect it to last forever, and I won't scream when I find my six year wrapping the wet dog in it so she doesn't get cold! LOL
It didn't cost a lot to make, with the kit being super cheap, but I still like it. I could have bought really cheap fabrics and made something similar.