Honestly, I keep most of my cards open. From testing, all apps that I use on a regular basis (pandora, web, messaging, email, camera, and a few others) really don't require extra power when not in used and in card form. So I just put all them into card form and lock the pre and I've had great standby battery life.
The camera app I have found pretty useful to keep minimized in card form and am glad for it not to use much battery life. Makes it quick to open for the impromptu photo.
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