The backstitch or lockstitch is mostly for garment construction. As others have posted, most peicing except your very last borders will have another line of stitching crossing a previously constructed seam which basically "locks" your stitching in place. If you find your stitches are easily unraveling beyond your 1/4" seam allowance in your block units just shorten your stitch length a bit and you will be just fine.
BTW there are no "dumb" questions. It is always wise and smart to question, how else will you learn or discover other options?