My dd is 6.5 and stills wets the bed pretty much every night. She isn't too bothered by it, I don't think, but I know she'd like to be dry at night. My 4.5 yr old dd still fills a pull-up at night as well. I've never worried about it too much or taken her to the doctor, but I suppose at some point I might.
I think if she was really careful to always go potty right before bed she might more likely be drier or if I got her up in the night, but she sleeps very soundly and doesn't wake up herself. I feel like I should be getting her up, but I don't always feel like it in the night. Have you tried getting your dd up during the night or before you go to bed? Others have suggested to me to reduce her fluids in the evening but as she doesn't drink that much water during the day, I just can't get myself to not let her drink in the evening if she wants to.
I don't have any suggestions, but can understand the situation.