Yes, it gets easier!! LOL! I can remember asking the same question!
I cut mine at 2-1/2, and sew on with a 1/4" seam. But I trim the quilt 1/4" beyond the edge. That way, I end up with a nice full binding and the folded edge of the binding ends up right at the stitching line on the back.
Have fun, and don't forget to breathe!!