Reading KarlGauss’s link, I see the authors actually found that the blood sugar levels remained constant while insulin levels rose. Their conclusion:
“The observed increase in insulin concluded in this study that in the early morning hours, despite stable levels of glucose, indicates a temporally increased insulin need in non-diabetic individuals similar to that found in individuals with diabetes(8).”
As for the OP, I recommend following your mother’s advice but disregarding the reasons. If you insist on leaving things wet, keep an eye out for fungal growth. If you can’t leave your nose alone, watch for bleeding. And hey, if you wake up at 1 pm, you can go straight to lunch. Just don’t go hungry.