wow, sounds like you are more than a moderate user...
on my iPhone 4 on Beta 3 I was using on a regular basis,
5am - 11am: Podcast app, email and safari + feedly app
11am through 4pm: Music App (iTunes Radio), + email, safari and feedly app.
4pm through 6pm: games, ie, Minion Rush, Tiny Tower Tiny airport Real Racing3
6-7pm Nike app (3G only)
7 to 10 safari + feedly
plug into doc with 20% battery remaining. Granted I run mostly on wifi most of the day except for when I go out running in the afternoon, but that is my typical usage. I text throughout the day but I don't think that's enough to warrant more or less battery life, what I don't do as much is take pics or video as much as when I first got my iPhone.
what are you doing?