First, I had to chuckle at your typo ("going to a guilt retreat"). Ha! Hope there's no guilt.
Second, what do you WANT to do? Think about what you'd really enjoy doing that would help you feel the money was well spent. I've never been to a quilt retreat, but from what I've read, people like to take a variety of projects (maybe 3 at most?) based on mood. Handwork, piecing, getting tops assembled, etc.
And many say do all the cutting before the retreat--ie. make your own kits at home where you won't be distracted and can cut accurately and you'll have everything ready and together (include thread) when you get there.
Enjoy--guilt-free.