You sound like you really want to give her the quilt, and if that is what your heart is telling you to do, I think you should follow your heart. Sometimes our heart is leading us in the right direction. You just never know how that special a gift will affect this young woman. Gifts from the heart don't have dollar figures placed on them, in my opinion. And I don't think you should just drop it off. You deserve to see the look on her face when she sees her gift. Even if she never understands the time and money involved, she will never forget you for giving her that quilt. I know before I quilted myself, I never ever had a quilt, and always wanted one. I finally inherited a quilt from my MIL and although I'm sure it was made from sewing leftovers, it is very special to me and always will be. Follow your heart, you won't be sorry.