Depending on the size of the quilt I have sewn it on the front with a 1/4" seam then pulled to back. That way if I need to do any fudging at all it is on the back. I either use glue, pins or clips to hold binding in place and then stitch on the top in the ditch.....when done go to back and do some hand work if necessary to catch anything that was not caught....... I would also strongly suggest doing a couple samples on what IS COMFORTABLE for you to handle....
Again there are not any Quilt Police,......1/4" or 3/8" front or back....what ever works for you and this quilt...the next one could be totally different...