My short form is: Charge what you want/what it is worth to you. They can decide if it is worth it to them. For example, you can't get me to make a mask to sell it, other people are happy as can be.
I don't really want to make quilts for payment, so I usually say something like, "well, minimum wage in Seattle is $15/hour and with 40 years of experience I figure I deserve at least that. That top would take something around a full 40 hour work week, so that's $600 there, plus another $600 for the quilting -- and now lets talk about the fabric. It will take 10-12 yards at $12 a yard, plus the batting and backing and any extra rulers, patterns, or parts I may need -- I'll throw in the $10-20 worth of thread...
No one has yet agreed to the price.