Many chargers have a selectable cut off voltage for charge. The TP Quad charger does if you are looking for a charger.
The wait for charging is not always linear to the amount of MAH put in. The end of the charge balancing and inherent slow down for balancing makes the end of the cycle long. Meaning, 20% in and balance will be shorter than 50% in and balancing, but not always as short as you might guestimate. It somewhat depends on the batteries. Some chargers are able to balance well during the charge, and others more at the end.
Some chargers have storage charge at about 40%, and others over 50%. Some allow you to set the storage voltage, and then you can have storage at about 60%, still reasonable. I think that you are not going to change the default Storage voltage function, but use the Balance Charge function to try for about 80%. I am just clarifying, because the Storage function can bring batteries up or down to the set voltage, but you may not be able to change Storage that much.
Look at the manuals to pick the charger that will allow you to set the cutoff and be sure to check low you can go. Look for cutoff voltage, or end battery voltage. The TP Quad goes down to 4.00 volts which is about where you will want to go. You can pick the voltage by trying 4.00 and then checking the %charge after a couple minutes rest off charge and then adjust accordingly.
They probably won't puff from sitting at full charge, but it may shorten the battery life or number of cycles, especially if you forget and leave them at full charge until you get the next chance to fly.