What pattern to use?
 

I have 4 charm packs and a matching jelly roll of the "Stitch" line by Lori Holt and plenty of white, off white fabric and wanting to make a queen sized quilt for my bed...maybe 92x92". Because the cat and little dog both sleep with me I really don't want a lot of white/offwhite used. I've searched Pinterest for an idea and still came up blank. What would you suggest?

I think I would sash the charm squares with the jelly roll fabric and mix up each so that they are all different if you are wanting to use both the charms and the jelly roll in each quilt. Take a look as Missouri Star, and Jordan Fabrics for ideas as well.

Square Dance by gigis thimble. She sells on Etsy.
You can use the charms for the centre and cut the jelly roll for
the small squares.

you could put some charms together in a 4 patch or 9 patch, then make equal sized blocks using strips of the jelly rolls. lay them out in an alternating fashion.

To make the size bed you want, I am pretty sure you will probably need more fabric if you don't want a lot of the white you have.. 1 jelly roll is about 2.78 yards before any seams. Each 40 piece charm pack is about 25 inches, you have four so that is 100 inches or another 2.78 yards. so you only have about 5.6 yards of fabric, minus what you have to use up in the seams. Do you have another color in yardage that would go with what you have? That maybe could be used for sashing or a border?

I agree with sewingpup that you either need more fabric (or alternatively, use a lot of white). My calculations show you have enough non-white fabric for at most about 80% of your quilt, and the more you cut up your fabric, the lower the percentage.

Here's my math:
1) Needed fabric: 92" x 92" = 8,464
2) jelly rolls: 2" x 40 x 42" = 3,360 (the 42" is my guess at the usable (finished) length of each strip)
3) charm packs: 4.5" x 4.5" x 42 x 4 = 3,402
4) remainder needed: 8,464 - 3,360 - 3,402 = 1,702
5) fraction of remainder in whole quilt: 1,702 / 8464 = 0.201 (So 80% of the quilt is jelly roll and charm packs, 20% is other)

And again, those above calculations are based on not cutting the strips and charm squares into smaller pieces.

As Sewingpup suggested, maybe try playing around with another coordinating colour and some of your neutrals and consider a siimple pattern like a disappearing 9-patch or something if you want something a little different but not too complicated.

I also want to thank Platyhiker for such a great layout of how to figure out yardage. I had no idea of how to go about it and usually end up scrambling to make extra blocks when I discover the quilt isn't big enough. :-P

In many instances black is my go to color when I don't want to use white. It does make the blocks pop!

What about the Beads pattern by Jordan Fabrics? It uses 5in squares and 2.5in squares which would work with your charm packs and jelly roll. It could easily be done with a gray background to pair with your Stitch fabrics to really make them pop so you wouldn't be concerned about pets on it.

It's easy to size the pattern up or down as well so it just depends on your charms+strips. You can always add additional other fabrics if you don't have enough matches.

https://jordanfabrics.com/pages/beads