I agree with Moonwork. If you focus on the baby-- project 10 years from now when he/she is wondering why you made the 2 siblings quilts, but not him/her. I completely sympathize with your situation and feelings, but IMHO I'd focus on the baby--it sounds like it's going to need some tangible signs of love.The prequilted panel, or at least a panel with a simple border sounds like a good compromise.