One way I've found around all those lose tops...I make my quilts reversible and use two tops per quilt! I pick my favorite for the front and quilt (usually stitch-in-ditch) to suit that quilt and the back side just goes along with whatever I do on the front. I try to use similar colors on both sides, or fabric themes, but sometimes not and they look wonderful too. A dear friend suggested always making the binding FIRST and then it's like a bonus when you are ready, and it's waiting for you.