there is certainly nothing to be afraid of---it's simply fabric.
you can make a top with regular cottons- and back with fleece-
or you can make top and bottom fleece- you can do what ever you want with it-
it stitches nice- if using fleece top and bottom you might want to use a ball-point stretch/knit needle instead of a sharp needle- other than that---
it does stretch (more in one direction than the other- so be sure to only smooth it- don't stretch it when you are quilting it-
you can use batting in it if you want- or just the two sides- your choice- you can quilt it- or you can tie it....fleece is not hard to work with - and just another fabric- no reason for any fear factor.