sometimes i think home spuns were made for raggy quilts! they turn out so wonderful. i too use 1/2" seams, as far as the clipping..i just put my snippers to work and snip, i don't worry too much about the distance between snips, somewhere between 1/4" & 1/2" probably...i figure, once it is washed it is not going to show if they are not perfectly even...they are going to fray enough.
if you don't want to use batting a layer of flannel works well for inside, adds to the raggy edges nicely too.