Hello Halliday - I really appreciate your efforts to help and your detailed suggestions - sorry for the slow reply.
Except when I am travelling I only use one third-party application, so after my clean install I have only uploaded one app. (I will reinstall photoshop etc one I sort this cr@p out)
I am familiar with activity monitor and features such as spotlight indexing etc and check all these - there is nothing sinister.
The one app I have been using is Zwift - it is a virtual world cycling app and it is known to be not well-suited to the MacBook graphics card - it has been running CPU at >100% and GPU >75% and delivering ca 60 fps in UHD. So pretty intense - but working absolutely fine before Big Sur upgrade.
As noted, prior to upgrade I had no poblems with battery life. Now as you will see from my OP it was using 85% in just over an hour when plugged in to 3-month old original Apple 96W charger (which is running quite warm, but not hot).
After a clean install of Big Sur failed to deliver any improvement, I have tried a downgrade to Catalina. I'm still getting similar problems although not quite so bad. CPU running more like 60 - 80% and battery life a bit less rubbish. Here is the screenshot of the Catalina battery drain using Zwift while plugged in:
You will also note the time until full charges which at 49mins is absolute nonesense - takes hours.
Obviously this was a big frsutration/disappointment as I thought the downgrade would sort the problem.
So I'm starting to think it is a charging or charger issue. Will try my wife's charger and research software that can measure charging curent/watts - if anyone has any ideas, would love to hear.
Thanks