I know what you mean, but you might be surprised how you like it once you get started. I once made a baby quilt for someone that was dark brown, pink, and mint green. Ugghh! I was dreading it like nobody's business. I kept thinking "well, this is for them, I don't have to look at it." Once I got the top pieced, I was surprised how much I liked it! Good luck with whatever you decide. You could do the neutrals on the front and then pop some color into the backing fabric...just sayin'.