I usually just machine sew my bindings. I recently made a 25" square quilt for a competition and decided to hand sew the binding down to the back. I did manage an invisible stitch but it drove me completely mad, and took me forever! My stitches were huge and didn't look very secure. As this quilt is massive, and will be used a lot once finished, I decided not to try and rely on my terrible ladder stitch, as I didn't think it would hold up well!
I definitely don't want to take the whip stitching out. If there's nothing that will sort of hide/distract from the whip stitching then I'll just leave it as it is and count it as a lesson learned :-) I don't completely hate it as it is now, would just prefer it to look a little neater. If this quilt were for someone else, I would take it out and start over with black thread, but it's for me and I will love it anyway :-)
Thanks for all your suggestions!