Gingerbread -- how to wake up to 100% battery?
It should wake up with anything between 95 and 100%. Anything less and either you're charger/battery/phone is doing something wrong.

Turning off the device and letting it sit in the charger (reconnect the charger) should fill the charge to 100% from whatever it it in a couple of minutes (10-30) while you wake up and get you're stuff.