Depends on the reason for making the quilt. I have a very picky friend who wanted me to make her a quilt. I told her if she financed it, I'd do it. She said just make me a quilt. "Oh no, my picky friend! You choose the quilt and fabrics. Then I'll make you one." That way she knew all along how much it was costing, directly out of her wallet, not mine! She loves it.
I've made many baby quilts. I've only struggled with one, trying to make sure I chose the right design for the recipients. She was very private, so it was more difficult for me to decide on the correct quilt design. In the end she said it was perfect.