the navball works better IMO, don't look at the number of your surface speed, ignore that untill you're actually going to land. your horizontal velocity is indicated by your retrograde marker, if it's not pointing straight up (centre blue) you still have horizontal velocity what I find easiest is to kill all my horizontal speed while in orbit, by "pushing" the retrograde marker to point straight up, and than just go straight down for the landing trying to get the vertical speed down while making minor corrections to keep my retrograde pointing straight up which means no horizontal speed upon touchdown and an accurate reading of vertical speed from the surface velocity indicator in case the landing site isn't flat enough you can do little hops by slightly pointing in the direction you want to go and burn but usually I can select a decent landing site from higher up