I am like Eleanor Burns. I quilt with my credit card! For me, the creative part is making my quilt tops. I don't see myself ever hand quilting as it hurts my hand when I hand sew for long. I won't ever own a long arm and don't have room to spread out and try free motion quilting on my regular machine. I will stick to quilting small items. That is my speed.
I don't have a problem with computer quilting, but I don't know anyone who has one. They are an expensive add-on to a long arm. It would be about my luck to set it, leave it, and have it malfunction on the quilt. Yikes.