I don't think what you have for a screen saver really matters--it's the screen paint that uses battery charge, not the content of the pictures.
As for charging, I generally do it if my charge gets below about 50%--not because I think it's about to die on me, but because I don't want to run out the *next* day and I can eat up to 35% charge on one day's reading depending on circumstances. I also generally depend on the battery icon rather than the percentage on the settings page, just because I don't like flipping to settings. However, sometimes I read it down to the charge prompt if I think the charge prompt won't come until around bedtime.
I don't think there's any B&N provided photo viewer on the nook. I haven't rooted it so I can't speak for the rooted.
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