I agree with following your heart. I used to make baby quilts in colors and themes requested. Well you know those babies outgrow those things. So why not just make what I want and hope the quilt will be used until it is worn out.
I just took a stack of quilts to a dear friend to choose from. They were a mix of “just using stash” and scrap quilts. They were all loved with no thought of what will work with their decor.