Hi draggin... Don't be so hard on yourself. There are loads of us who don't like the "pull outa' the bag" or mystery quilt projects. I figure that if I'm going to invest my time, energy and $$$ I want to at least have an idea of the outcome.
If you aren't comfortable doing the mystery project... don't do it. There are soooo many fabulous patterns out there... make one of them and you'll love doing it. And that's the best part of making quilts..enjoying the process!
Good luck and have fun with whatever you decide to make.