Thank you all for your input to help me decide, and comments on the finished product.
I was 10 inches short when it cam time to put on the border, so this disaster turned into a design opportunity. I put the 1/4 mariner compass blocks in the corners, which I think looks better than a plain border anyway.
I did leave the border off the top of the quilt on purpose (planned to from the very beginning), I find that the top border never shows on a bed when it is made, so decided to just forget it. Has anyone else ever done this?