To the people having the 95% charge only issue:
I think I may know what the problem is. I've experienced this, but not consistently, only a few times. Usually when I do, my battery isn't terribly drained (as in I have at least a third left), OR I have charged it or docked it before a full night's charge.
My Macbook Pro (and I assume Macbooks) does the same thing, although it is a FEATURE of the battery. If the battery has been run down a bit, but not too far, the battery will ONLY charge up to 97-99% in an effort to not overcharge the battery. The battery must be run down so much so that it can calibrate itself in a way. This is somewhere on Apple's support site, but basically, the lithium ion battery will not charge to 100% unless it has been depleted a good amount--and when it is charged to that 97-99 point, it stops charging and shows that it is using power from the outlet.
For the people having the issue, let your battery run down to nearly nothing, and do not dock it or charge it at all (make sure that in Usage, it does not say "The iPhone has been charged since last full charge" or something to that notion). Then, hook it up over night and see what happens.