If that's the case, you probably aren't using quilt shop fabric and then it wouldn't be worth it for you. If you have paid $8+ for the fabric, used quality batting and thread you should have at least $150 in materialsfor a queen size, plus your time. If you go to the effort to make a quality product, why wouldn't you want to make it even better with beautiful quilting. As the saying goes, "Quilting makes the quilt". If you are using fabric from other places, then it may not be worth it to you.
Joanne in WY