I'm not one to usually complain about small things, but yes this is pretty damn annoying. Safari crashes ALL the time, and I'm not exaggerating. If I'm at work, whether on wifi or 3G, I open browser, go to MacRumors, it crashes. I go anywhere, it crashes. In fact, Craigslist.org is the only place that hasn't crashed yet. As far as apps go, I've had Apple's Holdem crash, I've had the tv guide application crash... in fact I've had almost half the applications crash when I use them.
My battery life has been sporadic, as of today I've made TWO phone calls for a total of perhaps 6 minutes. I've used Safari on a smoke break for maybe 5 minutes, just browsing Macrumors. I haven't used any applications, I've checked mail twice. I have 3g turned off, wifi is on and I haven't used the iPod function. With that being said, I shouldn't have just over half battery life. I have somewhere between one half and 3/4 battery life. With this usual activity of minimal usage, by the end of the day before I plug it in I will be down at 10% and getting the warning. This is completely not normal and I have no idea why it's doing that.
Resetting the phone doesn't work, only doing a restore works. Oh, and once in a while when I get a phone call, the person's picture that shows up still appears on my phone lock screen after they've hung up. The slide to unlock shows, however it doesn't respond. Only pressing the top button 2-3 times makes it go away. I love my phone, however this activity is NOT usual. Especially considering that I backup my phone, update everything every other day. Actually with that said, I'm going to be taking my phone in to get a replacement. I just hope to not get a refurbished with the exact same problems. So to answer your question, yes I have the exact same problems as you.