Wow, I was definitely not expecting such a high quote! But, like you said, it's a home made quilt and those are pricey.
It'll be worth it if it comes out the way I picture. I think you're both right, I'll have to do an applique because I'm starting to get a reality check on my vision :p
Thanks for your help both of you! I'll certainly be referencing this post over the next few days!