Good luck CindyBee with however you choose to finish your binding. I am at the same stage with my first quilt too, for a friend's baby, however I have to wait until the baby is born so I know whether to do pink or blue binding! The baby was due on Monday just gone, so I am anxiously waiting by the phone to hear!
I think I will try the method mentioned by judee0624, but might do a practice mini quilt sandwich first, as I have never done stitch in the ditch before.
Let us know how you get on!