it's just a matter of personal perspective.
i never say i've made a quilt until it's completely done ... last stitch on the binding.
to me, there's a difference between finishing a top and making a quilt.
others see it differently and that's just fine.
i also don't consider myself as having made the whole quilt unless i did everything.
if my friend quilts it, i consider it a joint project.
others see that differently, too, and that's just as fine.