Just get the best that you can get at the time. While I am very disappointed in JoAnn's fabrics these days, I still see workable stuff in there...I am amazed how I look at some things and say yuck, but when my project is finished, it turns out beautiful!!! Enjoy the hunt for the fabric and the process of putting stuff together.
If you know you can't afford the quilt store fabrics - don't go in there, you won't know what you're missing and you'll see things and find things that others who have labeled themselves as "fabric snobs" would never see!! LOL!!