Thank you, thank you, thank you for all this wonderful info. Now I just have to weed through it and decide which works best. You girls are the best!

You will not be accidentally cutting your binding. The binding is laying on the quilt with the raw edge near the raw edge of the quilt. The only way you would cut it would be if you trimmed the quilt right on the edge of the binding raw edge. Then you might cut some of the folds on the corners. But you don't want it trimmed that closely. If you do, the binding will not be full. I try to trim the quilt (batt and back) measuring from the seam line that sewed on the binging: half of what's left of the binding minus about 1/8 inch (to accommodate the thickness of the batt).

That way it doesn't matter how wide your binding is. A three inch binding strip folded in half is 1 1/2 inches. After it is sewn on, what's left is 1 1/4 inches. So trim your quilt a little more than one inch from the seam line. Then you fold the binding to the other side and finish it.
Hope this makes sense.

And I sure didn't like how she closed up the last binding seam on the video. There are much better ways to do that.

If you mean how she closed up the last seam on the 2nd video that juneayerza posted, I agree. She did do it the way I do it (minus the tool-I just measure) on the video about hand sewing the binding (but I still machine bind).