Don't let anyone put a guilt trip on you. Making a quilt, no matter what the size is a lot of work. If your heart is not into a lot of work but you feel you must make one, just do the panel thing. After all a panel is a 'quilt'. I know how you feel, I have some un-grateful relatives in my family and believe me, I will no longer put my heart and soul into a project for them, they will be remembered but not on a labor intensive project.