Sorry, I haven't read all the input. I'll just add my 2 cents ...
First of all, I know how you feel a bit pressured when someone asks you to make something for them whether you really like them or not. I've had that experience and have enough on my plate, that I really wouldn't have time.
Since you've already made the quilt top, I would suggest that you take a picture of it. Send her the picture with a note that says you "happen" to have made this quilt top and have heard that she might like these colors. Offer to sell her the quilt for the money you have invested in it. You could have it quilted for her for $ X or she could find a quilter to finish it for her. If she does not want to pay for it, that's her choice, and you have another quilt to gift to a loved one or to a charity, or to sell to someone else.