I use the Battery Monitory Widget to graph the current usage of the battery. If you look at the current graph when the battery is fully charged, you will see that the phone starts alternating between a charge and a discharge cycle that lasts about 30 minutes. It charges for 15 minutes and then discharges at about 130 mA for 15 minutes. I have found that if I unplug the phone at the end of the charge portion of the cycle, the battery level stays up near 100% for a while, but if I unplug the phone near the end of the discharge portion of the cycle, the battery level drops almost immediately to around 95%.
I've attached a picture that shows what the charge/discharge cycle looks like.