Maybe you are being too hard on yourself. True, the dog doesn't care what he sleeps on, but in general, quilts are very forgiving. Colors that may not "go together" somehow do, when they are in a quilt. When I first started quilting, I never would have thought of putting orange and turquoise together, but that quilt is now the favorite of one of my dear friends.
Also, it is your quilt, so you get to choose what goes in it. If you really don't like it when it is finished, you can donate it to a charity or homeless mission. Or, you can go for the scrappy look, and everything looks good in a scrappy :-)