Good for you for using cloth diapers! We are far too rare a species right now.
Have you tried fleece? This is in addition to, not instead of inserts. It is not the slightest bit absorbent, but feels good on the baby's skin and wicks away the moisture that might be waking her up. And yes, one of my children was such a heavy wetter that we used THREE inserts, and a cover that was several sizes too big, so that she wouldn't be soaking externally overnight. But that's not such a problem as the moisture waking up the child because she's uncomfortable.
I know some people who do use disposables at night, but I wouldn't do that until you have exhausted other options. It definitely negates many of the benefits, such as safety from toxins on the genetalia. Of course, if you do end up going that route, you are still saving huge amounts of money and landfill space on all the disposables you don't use during the day, so don't feel bad. But if you can make it work, try fleece!
Oh, so how to make fleece? Take one of those many receiving blankets she doesn't need to be swaddled in anymore, that you care about less than the others, and cut it into strips about 5 inches wide and a foot long. Just lay it over the insert.
Good luck!
K.