I like it a lot, and I think it only needs a bit more yellow, light tan, copper, and sage green. Perhaps what you have "missing" is the repetition of certain colors. Since you just have one bright (the yellow), it is somewhat unbalanced as is. I love the yellow, by the way. I think the quilt needs it.
The size now is barely bigger than crib. I think for cuddling under at Christmas, it should be a foot longer and and a foot wider than the wingspan of the biggest person in the house.
I also wonder how sashing might affect the look.
If it were me, I'd probably do a scrappy binding, deep red, or chocolate brown. No border.