I haven't given many quilts, but have given several framed cross-stitch pictures, mostly to family. These have been large and the framing alone about $150. On the quilts I always add the rod pocket and explain how it can be used. Then, I took a line from the "Antiques Road Show" and explain that for for insurance purposes this probably should be covered for about $1000. Yet, I am now making a baby blanket for a little boy, and I have no idea if it will be a wall hanging or a "blankie" that will be dragged through everything. If it is, I have to comfort myself that nothing is so beloved as a boy's first blankie.
Your situation touches the hearts of all of us, and there is really no answer. I have been known to say that if I want bed covers, I go to Wal-mart, and if I want art, I make my own.