Beautiful quilt ... horrendous customer!!
You mentioned that you would de-construct the quilt to return the bits of fabric back to the customer if she demanded them. If she does demand them ... remind her that she has not paid for your time in making a pattern and making the quilt - so - quote her your time for deconstructing the quilt and ADD $125 to that cost.
Ask her how she would handle it had a customer said "gee ... I don't like the color I chose and you painted, I'll give you half the money".