With only 3h of usage (all together, screen on and off)?Ain’t bad that’s completely fine for battery to go down like that off the charger. But I turn off background app refresh entirely, so why not just turn it off?
Back in the days my iPhone 4, 5, 5s, 6s, 7, XS got more than that (I don't compare it with the 12/13 Pro Max I had).
I don't turn it off because of convenience. As an example, I don't want to wait until a note I've edited on the iPad is reloaded on the iPhone one hour later.
Also, in my case, it's maybe about 1-2 % over the whole day if it even has an effect.