Big Dog Bro 1- yes you did post that check for me earlier. But you have this caveat on it that says something like clip this lead to something "at your own risk"... so to a novice electrician that says "you can do this but I'd never do it to my own bike"...
So my big plan was to wait for the pull up resistor that BDPP has promised me. Then if I still have the issue, I start isolating electrical systems to find the bleed. I started this with an older analog electrical meter, but have a new digital meter now. I charge the battery to full, and connect only one of the positive battery cables (I have 5 including the two off the 40amp block). Let it sit for 48 hours and test battery voltage. I should be able to identify the circuit that is bleeding that way and help narrow down the culprit. But like I said, I was going to wait until I got and installed the promised pull up resistor.