I appreciate everyone's input when I needed advice with the top quilting! I heeded your words of wisdom and did a diamond grid in the center, but I did a stitch in the ditch for the center 'cross'. I also include an embroidery stitch along the inside edge of the outside border and then I did a channel stitch for the top quilting of the border.
I think it turned out just fine!
Sorry the last pic is fuzzy, I'm not a great photographer!
embroidery edge close up