Here's a couple of ways to think about whether to use those beloved quilts or not:
1) So what if they get soiled? Taking the opportunity to wrap yourself in your Mawmaw's love every day is more than worth a bit of dirt. I expect the quilts I make to be loved to tatters! Start slow - Take each of them out once a week, different days, and enjoy them. Put them on the back of a chair where the pets can't lay on them, and use them when sewing or watching TV. Then put them back in the closet.
2) The only way you're "enjoying" them now is by knowing they're there. Not satisfying to me, but maybe enough for you.
3) You can't take them to heaven with you!
4) Once you're gone to your reward, someone else MIGHT enjoy them to tatters, OR, worst of all, someone may just toss them in the trash.
5) make a copy of the 'just for me' quilt to use, and keep the first one you made in the closet.