It's a choice, which is what we love. You choose to pay for someone to pick the fabrics and the block design. Or you choose to pick a free BOM off the internet and pick your own fabrics. It's great for those who are over-acheivers and need one more project to work on, but realize that they don't have the energy or time to pick or cut their own fabrics. Some BOM's send fabric, but you cut it. I do not like to do applique, but JoAnn's had a Christmas BOM that had applique on it. THat's how I tried it again. Others choose fabric that I would never buy, but I find actually looks great. If you are very confident in your own personal choices, then BOM's may not be of help to you. But if they are at your LQS, you may find you enjoy the company of others doing a common project. If you are a newbie, these may give you ideas on fabric choices and techniques. Hey, it's your quilt. You can do what you want. Have fun!!