I have the 3g radio turned off since I didn't activate service, receive notifications from some apps and use SHealth. I don't enable notifications from heavy hitters like Email apps and Facebook, limiting it just important things like reminders, messages and phone calls.
With these settings, my battery is typically at 40-50% at bedtime unless I use it to play music while doing chores.
Since your battery life seems decent when apps are turned off, you could look at throttling back on notifications. Also, you haven't mentioned if you are using the 3G radio.