Maybe the quilter was trying to find some flesh colored fabric for the hands or she may have intended to embroider them after quilting so the quilting stitches would not go over her embroidery. I have done the Sue's both ways, applique and embroidey. Usually when she has one hand raised, she is holding an umbrella, balloons, flowers or other items.
I would definitely give her hands, just my humble opinion. It was a fantastic find, enjoy!!