The typical situation where I'd do this is renting a car for a weekend: I usually pick up a car on Saturday morning. I'd get back on a Sunday or Monday night and fill up near where I live. Then I'd drive it 10-15 miles the next morning in low-speed commute traffic to return it (they aren't open 24x7). It's more about making sure I don't forget to fill up, and not so much about avoiding price gouging.

If the needle goes below F (or, on digital gauges, if all bars aren't full or whatever), I will stop at a gas station again, but that situation rarely arises.