I am terrified at almost every stage of the process. Picking out a pattern can take two days. Pulling fabric results in a pile twice as big as needed. Then it ferments for a few days until some say "No" and some say "Yes" and some say "Maybe". A trip to the fabric store may be required. Cutting really scares me. Then piecing. Then doing the sandwich--I am always certain there will be folds. Marking is a day or two more, because the idea of designing the quilting pattern is also pretty scary--what if it is just stupid or doesn't complement the piecing? Quilting takes a day or two up o two weeks. The only fast part is the binding, because I am eager to get to the hand stitching on the back. Love that step.
But almost without exception, only DH knows how difficult each stage is. People just see the results and they love it.