I always add an inch and trim to size....it makes life SO much easier! Sometimes the stitching can be wonky so you need that extra to make it square up!
Steve...touching story! Glad your quilt worked out for you ... did you post a pic?
My MIL always made her quilts with the mock binding....I'm unsure if thats the way I want to do the ones she left for me to finish (another post) or if I will do traditional binding....worst thing is...they are all polyester so think it would be easiest to just do the mock binding and machine stitch them!