I love both kinds of quilts. I have some fabric matched up for future planned quilts and I also love scrap quilts.
The first couple quilts I made (a little over a year ago), I stressed over picking the fabrics and was not really pleased afterward with the fabrics I chose. Since then, I have been working on a lot of scrappy quilt tops and I think it has helped me to see that a lot of colors I generally would not put together actually do go together beautifully.
I still have a lot of scrappy quilts that I want to do, but I have as many planned quilts on that list as well!! LOL