I am a topper too!
I had about 16 tops in the closet 2 years ago, and sent them all out to be professionally machine quilted. I got a discount for having so many done at the same time but it was still a huge expense. I was very broke for a while afterwards, but felt good about getting them finished.
If it is left up to me I usually hand quilt about one a year, but average between 6 and 8 quilt tops a year. I have accumulated quite a few again so I need to start saving up to have them quilted.....
I guess I should learn how to machine quilt. Maybe one day.