Hi Mike,
I think one problem that many folks have is that they start cutting the lock panel molding prematurely before they have created the right background profile. I shape the lock area first with gouges, then round files, and then I smooth the contours with round scrapers. I essentially finish the panels as if I was not going to add a decorative molding. I want a clean, smooth transition from the curves of the forearm and wrist into the flat lock panels. Then I outline my molding and use knives and chisels to punch in the edge very slightly. Some makers use a V gouge to outline the edge. Again, using chisels and knives I back cut into the edge to remove background and create a slightly raised edge. Once the background is scraped smooth, I am often done. If I choose to shape the molding further, I use small gouges and tiny curved scrapers only.
dave