I think a charity quilt to me means something I make with love for someone who needs it. I try to be picky with what material I buy anyway for quilts, so a lot of it does match and it's good use able quality. I do spend some time coming up with a pattern to make sure I have enough of the material and to make it attractive.
I have made quilts out of clothes in good shape, and they turn out well. If it's a scrappy quilt I think there is more leeway on patterns and colors. One quilt I made out of khaki pants and it's one of the most durable quilts. LOL
I guess for me, as long as it was made well and with thought that's the big part.