OK -- I used brute force... took 2 hours.
1. restored to factory defaults;
2. systematically synced apps, media, email and icloud accounts, etc... many, many settings.
Battery was at 100% when this was all done. I then started sending textx, emails, ordered my groceries from fresh direct app, used 10 apps for various things -- used Siri. Used dictation for texts and emails.
after 52 minutes of "normal" use - battery is at 96%
That's about what I expected. In comparison, today, 52 minutes of use would have left me at 45% or less.
SO the genius from Upper West Side's suggestion to wipe and start over so far seems to be working.
I AM A BIT TROUBLED THOUGH by the setting:
General > Usage > Time since last full charge:
is identical (1hr 3 minutes) -- genius told me that we want to see some delta here... these numbers should not be the same.
Hmm... I may visit the genius just to go over this and clarify. But so far, an hour of solid use using 4% is within my expectations (and not possible earlier today).
I urge anyone with this issue to wipe their phone and DO NOT RESTORE from your backup. Looks like something in the restore from backup is broken.
Data point.