Without seeing what the quilt top looks like, it is hard to give good advice.
I inherited 2 quilt tops from my grandmother’s aunt and I’m sure my Mom wanted me to hand quilt them(although she really didn’t like either of them). So they sat with my other UFOs for 15 years. I just finished one of them with machine quilting. My reasoning was that, even though is was hand-pieced, this quilt was definitely a “utility” quilt made from scraps of shirts and if she had been alive today, this is the kind of quilt that my great-great aunt would have machine quilted. Now it is actually a quilt that can be used ( as soon as I wash it).
The reasoning with respect to finishing your quilt may be very different.