I'm a moderate user and my phone usually has about 20% to 40% battery left at midnight when I plug in. The real question though, is how do you define moderate usage? For me, I never hesitate to use my phone for anything I might need. I'll Google Now an actors name, watch a movie trailer, use places to find a restaurant, check weather/radar, emails, TV schedule, take a picture, and I listen to audiobooks for about 3 to 5 hours a day as I go about my business. I also don't ever turn anything off on my phone (like GPS or wifi), and my screen brightness is at 50%. I don't have tons of emails or text every day, nor do I spend any time telling people that I just got a doughnut, tweeting (please read in valley girl accent) "OMG...this traffic sucks," or checking on my pretend virtual friends on facebook. I also don't stream movies on my phone (who wants to watch a good movie on 4 inches of real estate?), or spend a lot of time watching youtube videos. If you happen to like doing many of these things, then I wouldn't really call you a moderate user and would suggest that you might need a bump charge during the day.
I find this phone has the best battery life of any android device I've owned, but I believe a lot of that has to do with it not being an LTE device (LTE is a major battery killer). I'm sure something like the razor maxx would run longer between charges, but that's probably the only android phone that would, and I have no interest in owning a non Nexus device...ever. Downloading poorly written apps will kill your battery life faster than anything short of streaming video, but I don't have any of those apps, so I can't tell you which ones they are. Just pay attention to what you download and if you notice your battery dying quickly, remove your last couple of apps to see if it improves.
Overall, this is the best phone I've owned.