Your welcome. I find my 3Gs (which is about 15 months old now) will comfortably get me through the day, but I charge it overnight every night. I had to do the same with other smart phones (my HTC Tilt was no better on battery life, although you could get a honking big extended battery for it, if you didn't mind the huge bulk of it).
The other thing to remember is that the Li battery in your phone is fine with partial discharge/charge cycles, so don't hesitiate to plug it in when convenient to do so, to top it off. I have a charger at work, one in the car, I sometimes carry an extender battery case in my napsack when out - I just plug it in whenever it's easiest to do so.
There are few apps that can run in background. Obviously, push mail or frequent fetch mail, will draw down the battery. But most apps, if they are open on the screen are not going to be able to do anything. GPS use is also a big battery drain, and 3G data will use more power than wifi. I find bluetooth on, but not connected or idle in standby is not a huge drain at all, but in use, it will make an impact on battery life.