I would just let her be. Most kids don't fully night train until they are 5 or even 6 and that's normal. I wouldn't limit liquids or wake her at this age. Either her body is ready or it isn't. The body has to be physically capable of holding the urine and also producing a hormone that aids in nighttime dryness.
think about it this way, even if you put the pads on the bed it's still waking everyone up in the house when she has an accident. Leave her in diapers at this stage and everyone gets their rest.
We didn't limit my son's liquids and once his body was ready he would wake (usually a few hours after we put him to bed) and he would get up to go.
You can always put the panties on over her diaper.
And I'm with you! I bought one pack of pull-ups and said forget it! Glorified, more expensive diapers that don't hold as much as a diaper. Whoever invented those is laughing at us all the way to the bank! Mine never had a problem wearing their "nite nite doot doot" to bed. I never equated diapers with being a baby. Just that he needed it for protection at night.