lithium ion batteries generally charge in 3 stages.
STAGE 1
The maximum current is applied to charge the battery until the cell voltage limit is reached
STAGE 2
Charge current decreases as full charge is approached
STAGE 3
Topping charge, minimum current is applied until full charge is reached.
So as you see that first 70% usually flies up in the first hour and then after that the charge speed decreases over time to prevent overcharging. Usually the last 3-7% of a battery is not charged or can take twice as long as the first 70%. Overcharging on a lithium ion cell , the lithium becomes unstable and can begin to plate or leak out of the battery, thus the battery and charges are designed to do everything possible to prevent the battery from overcharging. This is why the more full the battery becomes, the slower the remaining percentage will be.
Thankfuly lithium ion batteries do not have a 'memory' or anything like that which previous traditional nickel cadium batteries had so it doesn't matter how full or how empty the cell is when charged, however fully emptying the cell can reset the circuitry that is used to display estimates of battery life. However just how over-charging it is damaging to the unit and unsafe, so is over-draining it and most lithium ion batteries are circuited to cut off power in the last 3-7% of battery life, this why a lot of times when your battery dies you can still turn your device on, all be it briefly.
Charging it in your wall vs usb can tend to be slower, but also safer since it uses a lower voltage to charge the battery and more preventative of over-charging, though the way the battery is designed you shouldn't ever have any issues by charging it usb-only.
Your battery will ALWAYS drain no matter what you are or are not doing, even with the device turned off, again it is a safety feature of the chemicals in the battery, this is actually something that does help keep the battery working longer. If you have not used your device for a long period of time (several days) without powering it on, it is better to let it discharge before you charge the cell as shunts may begin to form inside the cell which can cause extreme heat and instability when charged.