I feel your pain! The quilting is the worst for me. I've done 3 tops and quilted two so far.
Quilt #1 I did in the Fun and Done way. It looks as good as could be expected since I had no clue what I was doing.
Quilt #2 is a bow tie pattern with alternating blank blocks. I just quilted X's across the blank blocks over the whole quilt. It looks pretty good, but certainly wasn't very brave of me.
Quilt #3 is a pinwheel with sashing between the blocks. It is pinned and ready to go, but I just can't get going.
All I can say is, you've got to take the plunge some day.