Welcome Cattitude...and your story is often how we start to drown in a stash! My quilt buddy for over 20 years would kind of roll her eyes when I would pick up 2-3 yards of fabric I just loved and then ask "What are you going to make with that?" (BTW she is not perfect...ask about all the kits she has bought and never made!) Fortunately this was before precuts and online purchases.
As you seem determined to not buy any more than you need, you should make those dozen or so quilts with the fabrics you love first and let the others simmer in storage so you won't feel so guilty. As time goes on revisit those storage fabrics and maybe you will find a use for them...if not maybe you could offer them up for sale or gift them to a quilter or quilting group. I will be signing up for 2020, too and it will be fun to see you use it up!