I'm also the kind that carries around emergency money in his wallet and has a first aid kit and spare headlight in his car. In fact, I keep a spare credit card in my desk drawer with my passport so that if I lose my wallet I won't be without money for a few days. Thanks dad, you taught me well
(Moto G 2015)
Then if someone has a job where there's lots of meetings or lots of walking ... etc ...
For whatever reason, in my life at least, it's almost always north of 80%. And I don't have some special smartphone (in fact, I don't even know the model offhand). This has been a consistent story since I started carrying mobiles 15 years ago
I don't drive, but do carry a small USB charger with me anytime I either go out for most of the day, especially if for work, and sometimes on nights out. I still can get to the end of a long day having used all of both my phone's and my charger's batteries. But I don't turn my phone off before it gets to 9%, because 9% is more than enough to do whatever emergency thing I might need my phone for at the end of the day. I'd be able to turn it back on and... make a few phone calls. Or order and wait for an Uber. Or look up transport options on Google Maps. Or open my bus/train ticket app to get on-board.
(I do, however, often think ahead and would sometimes put battery saver mode on even when I'm as high as 80% charged, if I know it's a long time until my next charge, it means people can still contact me but there might be a slight delay, it means I can still use it soon as I pull it out of my pocket, and it means I'm much less likely to need to turn it off at all.)