I have an almost 12 year old that's probably had a total of 15 dry nights in his entire life. Due to some extreme pain and urgency issues when he was a toddler, he did have some imaging of the bladder done. I say this to point at that we are 100% sure there are no structural defects, other than an extremely thickened bladder wall that was causing him pain to "hold it", pain to the point he would just go in his pants, in the car, wherever to relieve the pain. We have learned to avoid food/drinks that we know irritate his bladder wall, especially when we won't be near a restroom. Thankfully, that has largely resolved, and he hasn't had a daytime accident in MANY years. I will say, once in a blue moon, my 8yo daughter has an accident - maybe 3 times a year, usually she gets to laughing too hard or gets too busy and waits too long - I'm guessing that's more the situation with your daughter. That ticks me off something terrible, and I don't hide it. It's been several months, so hopefully we are done with that.
Your daughter having an accident with such frequency makes me wonder if she's constipated, that is very often the cause of Day wetting in older kiddos. Something to look into for sure. If it were mine, I'd tell her straight up - you're too old for this unless it's a medical problem, so next time you wet your pants during the day, we are going to the dr to talk about it - then do it.
As far as night wetting, she can't control that, nor can you. Accept that and deal with it. It would be like you wanting her to have a different eye color, or be taller - it's just not something she can control. Put a waterproof cover on her mattress, then a softer mattress pad over that to avoid the crinkly sound, then her sheets. Goodnites makes an adhesive pad you can put on top of the fitted sheet, you can just pull that off when wet and not change sheets. I'd stop the puppy pads, they've got chemicals in them, and you need to protect the entire mattress anyways.
Our pediatrician suggested meds when our son was about 7. Or better put, he let us know he was willing to prescribe the meds(desmopressin). We opted not to try them at that time. When my son was 10, and we were changing sheets 3 mornings a week, he asked to try the meds. My husband did some research(fortunately he's a pharmacist), and feels the drug is very benign, so we tried it. It essentially replaces the hormone in your body that signals your brain to stop producing urine at night. This usually happens in very early childhood, but for some folks it's at 16 or 17. The meds haven't stopped his wetting, but the volume is drastically reduced - I don't think we've changed sheets due to wetting in over a year. It seems like one of the big side effects is headaches, but fortunately my son has no side effects.
I was never interested in alarms or extreme fluid restriction. I'm not up for disrupting my sleep and his for months on end with an alarm - when they work, it's prob coincidentally when the child's body starts producing the hormone. Sleep is too important to all of us to play that game. Also, my son is a state ranked competitive swimmer, I can't restrict fluids and dehydrate him after a workout - that's just cruel.
So - my advice, get a handle on the daytime accidents - either behaviorally or medically. Set an alarm every 30 minutes for her to potty. See her Dr.
For the nighttime, learn to deal and not resent or get angry. Would you be mad and make comments to her if she was diabetic and needed insulin? It's the same thing, a medical condition she can't control - thankfully her medication is a mattress pad and pull ups. Look into the meds if you want. Breathe - this will pass.