Build up in the bottom of the tank can be a problem with stationary tanks but rarely with a vehicle tank, the fuel sloshing around keeps things mixed up.
Good idea to keep your tank filled on the high side anyway. The fuller the tank the less air it contains that can condense and add water. Most heavy equipment manufacturers recommend filling the tank before daily shutdown for this reason.
The tank fuel also acts as a cooling reservoir for return fuel, cooling is less efficient the lower your tank is.
Best practice is to keep your tank as full as possible. I usually fill at 1/2 tank, about 20 gallons. Also keeps the sticker shock down when the fuel is high priced. I hate it when a fill up approaches 60 bucks.