Frankly If someone had brought me that Crown Royal mess, I might have handed it back to them! And if I had done it, it would have been for more than $85. I think she got an excellent deal. Never do anything for her again.
I used to do customer quilts and I always gave them a written estimate based on size, quilting etc and always gave it to them to review and sign. I also updated the price each year... as my skills grew.. and I also checked local prices. I had a pricing sheet I gave them when they first asked, then I gave them a price based on whatever they chose off the sheet (binding, piecing, repairs, etc, in addition to the actual quilting... per Sq Inch depending on difficulty, density, etc)
But I discovered I was not getting any of my own quilts done (plus working full time) , so I don't do customer quilts anymore...