Honey, do whatever makes your heart feel better. Right now, if just making tops is your thing, go for it. For a long time that was what I did and the closet got filled with tops and backings and the bindings all hung on hangers.
I have a friend who loves to quilt but it not yet really good at it. I give her all my charity tops to practice on and she loves it. She does the quilting and binding and every time she does, she gets better. So it is a good relationship.
But if she did not, the quilts would be in the closet until I found an alternative.
Nothing to feel quilty about. It is a hobby and should be enjoyable and take our minds off other problems while we are enjoying the work itself.