My early quilts I did, one has three tops on it, and my first quilt has had 3 bindings.
It is so fast to make tops and quilt quilts now it is a different story. When quite worn they go to outdoor dog beds, porch and garage, and then we have a ceremony at the burn pile when we burn limbs and brush.
One I made for my sister had been chewed, I couldn't bear to work on it after she passed so even though it was more heirloom type, I cut it up and have buired pets in it over the years.
I don't really have utility quilts as I think of them, 4 patches with big pieces for tents and picknicks and farm hands.