Punctuation and Quotations

Forget convention. I do it like this:

If the punctuation is a part of the quote, it goes inside as follows:

Johnny said, "My goodness that's a big ice cream!" OR (the comma)
"My goodness," Johnny said, "that's a big ice cream!"

If the punctuation is not part of the quote, it goes outside as follows:

He's just a baby, and not old enough to give "informed consent". OR (the comma)
In any event, by asking if it should be "illegal", libertarians are asking...

It makes more sense, in my humble opinion.