Jeanne, you are being too hard on yourself. You just are. Even "experienced beginners" don't have to always be trying to take on challenges. Maybe right now, just right now, you are sewing what is comfortable for you, and that may change in only a few months. I have also made some harder quilts that I wouldn't try now. I think I was lucky they worked out for me when I made them....not so sure they would work now because I am not so willing to spend forever on one quilt, and I am very not fond of ripping out seams...
I don't think you are fearful, you are just too hard on yourself. If you aren't happy working on what you are currently working on, try something else, just for right now. This mood will pass. You are just too hard on yourself right now.
Dina