Both, you get the cutscene and you won't get game over if she wakes up, but, weirdly enough, her suspicion still increases if you don't dress her back up or clean the mess.
Wait wait, let's clarify some things - if you have relationship 100 the game let's you wake her up during the night and continue having fun with her, as far as I know, you will still see gaining credits afterwards in the bottom corner of the screen, but after you end the night you should get 0 credits, cuz technically waking her up is treated as "game over", but since you have rel 100, your reward is a morning event scene and being able to fuck her with her eyes open.
Is this how it's going, or after needing the night you get credits?