susiecute, here is a link to the simple instructions that Lutheran World Relief has for its quilts:
https://lwr.org/get-involved/quilts The "filler" the instructions mention is batting or a substitute.
Many churches use this method and make at least as many or more quilts per year than your group does. They are successful because they layer, then tie, and then do a foldover binding. The binding is fairly wide, which is easier to sew. A walking foot helps prevent pleats in the binding.
Best wishes in your efforts to improve quality, reduce expenses, and make the process enjoyable in your group.