You said the quilt is a gift, yet you said the colors are "not you", well are the colors o.k. for whoever is receiving the quilt as a gift? If it were me, and was that close to finishing it I definitely would go ahead an finish it, and show the recipient the finished quilt, unless it is to be a surprise, the recipient may just love it, especially since you have made it for them. If they don't seem to like it, then let them know you will make them another one. Who chose the colors to begin with you or someone else. without seeing a pic. of it, this is a tough question or me to really consider.