So, having all other settings exactly as they were before (including not having my SIM in the phone) but signing out of iCloud fixed my extremely high usage and battery drain for sure. Phone sat for almost 8 hours, only had 11 minutes of usage, and was still at 100%.
Now, I need Apple Pay (because it's cool) and that requires that you be signed into iCloud and have the drive and pay features turned on...so that's my next test. Minimum things needed for Apple Pay to work....nope. Just stopped to look at the phone. In the last 20 minutes since enabling that, the phone is at 98%. FML Will leave it on for awhile to see if it settles down.
Anyway, here's a shot of last nights test with iCloud completely disabled but all other settings as normal.
View attachment 625948