I surged around one quilt and it worked beautifully. The next one was a disaster.
Now I trim back the backing to a little less than an inch from the edge of the quilt top, sew on the binding (using the magic triangle), and trim the batt and back to 3/8ths of an inch from the sewing line. I use a ruler and rotary cutter to do that in six or eight inch segments. It doesn't take that long to go around a quilt. Then I fold the binding to the back , trimming a little out of the corners and pinning the corners well, and stitch-in-the-ditch from the front.
Sometimes I find that the back folds back on itself, so perhaps a very large zig-zag would take care of that.