Well, we don't like adulterating our wines with top up wine. We use marbles and glass spheres to fill the carboy. Yes, the level should be up in the neck. So if you like the idea of the Cab, go get some more and top them up.
Another way we top up is using gallon jugs instead of a carboy. It's a good idea to have various glassware available.
Our blackberry finished at 0.99 but even 1 is OK for getting it in the carboy as long as the ferment is not real active and blowing off the airlock. It will finish over in the carboy with no problem. Remember not to bottle it for quite a while--let it age for at least 9 months before contemplating bottling it.