So change your "habit" of "forgetting to charge overnight" and "always keeping it topped up".
Problem solved.
When a charger is next to me, I should have specified. Yeah I should probably get a charger next to my bed. The thing is I'm trying to not keep my phone next to my bed but end up doing so anyway. But that's another topic.
But still doesn't solve that I like to keep it topped. Especially at work I use it to stream music and video all day while I'm working so I want to keep it charging. Also still doesn't solve getting in and out of my car many times a day and having to plug into/out of my stereo every time. Maybe we just have different lives and use our phones differently?