I always use an overnight pad when I go to bed, regardless of what my flow was like all day. I just don't use tampons, ever, and admittedly part of it's because I'm worried about the chance of toxic shock syndrome happening. I'm pretty forgetful. I've never had the issue with the blood-stained panties, although in my case it probably helps that I absolutely despise wearing skirts and am totally single. And I have, in recent years, been extremely careful about how I place my pads to prevent any staining beyond when the flow starts.
You aren't even supposed to wear tampons to bed in the first place. That's why it's always a good idea to have a box of overnight pads in the bathroom.
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My Aspie score: 163 of 200
My NT score: 45 of 200
I am very likely neurodiverse.