Do what suits your needs. I have decided that my enjoyment comes from how and what I choose to do - not others judgement of it. If I have only tops then that is fine. I do a combination of stuff. I feel that when i pass on at least I will still have an expression of myself left behind and anyone can quilt the tops if they like but the design, colour, fabric choices and patterns are all mine. So better to have tops and plenty of them then a few totally finished quilts only. But that is what suits me. Do what suits you and and your circumstances.