If you have a good smart charger, you shouldn't have to worry about memory effect at all, just your charge level.
Memory effect is something you almost certainly don't need to worry about anyway. Unless you are charging your battery with a constant current charger exactly the same amount every time and discharging it exactly the same amount every time, you probably will never notice a memory effect.

Even if you do, the memory effect on NiMH is only 0.05 volts per cell, hardly noticeable. But if you have a good smart pulse charger, you just won't ever see a memory effect problem.