Hi Nonnie, I remember the first time I went to free motion, I too worried that I'd ruin the top. But I think your daughter may be right, the only way to do it is to go for it...
My FMQ is not perfect, but it is getting better with every quilt I do. The recipients of my quilts love it, they don't see the occasional skipped stitch, or the fact that the stippling looks a little chaotic. They are amazed, and ask whether I program the machine to do it. So I've learnt the best thing is to do it, and then step back and admire my work by seeing it as those who are receiving the gift see it rather than as a quilt critic.
Enjoy the experience, do it with love, and you can't go wrong!