There's something about an on-point setting in both quilts and afghans that just seems to make them better!
So for me, yes, I'd go for on-point.
Comparing the two layouts, I do like the solids mixed into the body of the quilt, better than on the outside of the 2nd layout. Perhaps put them in, creating layers ..... rings around a group of multi-coloured blocks. Not sure if I am explaining it right.
Your final border idea will be perfect, whether in multi-colours, or perhaps stick with her grey and black main colours, to help frame up the inner beauty!
A great quilt!