On this subject, I found this article.
It contains some explanations and hints regarding the insulin sensitivity approach and at the end of the article it makes suggestions regarding carbs consumption, depending upon the level of bodyfat. I doesn't say however what happens when you take carbs four hours before going to sleep, but as I think I'm below 10% body fat, I'll give it a try for a week or two.
I'm only having a 1:1 protein to carb ratio postworkout and these fruits at afternoon and evening.