I'm just worried about the body being inactive and having a greater tendancy to take those calories and store them as fat
Exactly, I would taper your carbs off the closer you get to your bedtime if your goal is fat loss. Your body has a greater tendency to store extra carbohydrates as fat energy reserves as long as your glycogen levels are already replenished. Assuming that you replenished your glycogen levels with carbs after your workouts and earlier meals there is no point in eating carbs with your last meal as your body won't have the opportunity to use the carbs.
I'd eat a meal of mainly protein and healthy fats as your last meal. Some sort of slow digesting protein will also keep you full longer instead of having a shake. Personally I am a big fan of cottage cheese near night time and if you add in some fibrous veggies to your meal you should be held over for the night.