I am currently working on one that was pre-printed...but I added a scallop at the sides to make it bigger to fit our bed...and also added lines between the printed lines to give it more dense quilting.
The "kit" came with the pre-printed top and the binding. You can also buy kits that have the backing fabric in it. The backing fabric is always plain but I wanted a printed back...so I'm using a white fabric with black flowers and butterflies on it for the backing.
It is being quilted with regular "running stitch" quilting stitches...mine are about 8 stitches to the inch. They are not perfect stitches, but done is better than perfect! :)
Once the quilt is washed, you won't even see the stitches...the eye will be drawn to the design.