Wow. She doesn't care about the cost?!? We have some appraisers in our guild who can appraise a finished quilt and it (the appraisal) really isn't that expensive. I would be very sure you and your friend know what she wants as far as colors, style and pattern.
Department store quilts are not the same thing. For one thing the materials, including the batting and thread, are usually not the same. Also, many people like the idea of making or owning something unique, just for you.