In my new, improved thinking, leaving 1/4" excess beyond the quilts edge maybe not such a good thing. Sewing through backing and batting only, might get messy.
New game plan: trim to edge of quilt top, sew binding at scant 1/4", flip, pin past sew line(to quilt side), SITD as close as possible to the seam of flange/binding. Good shape for thread for both flange and backing.
Thank you Ladies!
I do so appreciate everything I have learned here on the QB!! Jo Anne