I think that you should go ahead and give it to him at Christmas as it was intended. You aren't giving the quilt because you expect something back, you are giving it because you love him. You can tell him that you already had it done prior to his announcement. The gift giving is for the giver as much as the receiver sometimes. My MIL tried this last year at Christmas time. She made the announcement 1 week before Christmas. Now, she knows that nobody waits until the week before Christmas to buy or make gifts. And it wasn't a cost thing, it was a Gloria thing! (you gotta know her to appreciate her. . . Love you mom!) She received her gifts on Christmas just like everybody else and was thankful for everything she got. We have learned to only give her practical gifts that she will use ex: quilt, jacket, gift card to a bookstore. She will give everything else away because she doesn't want it to clutter up her apartment.