In my experience which seems to be born out by this survey most people make calls, send texts, use the alarm clock and perhaps do a little messaging too.
People install the odd app from time to time run it for a while and then forget about it.
Of course there are a smaller percentage of people who use all kinds of odd apps, do their banking, make payments, etc. but they don't seem to be in the majority.
I ran a survey in an IT group of several hundred people and found most don't do more than make calls, messaging and trivial usage of a few other apps.... which surprised me. The feeling was that the majority of those questioned had access to a PC all day long so used that for browsing etc. and they didn't trust the security on their phones.