Welcome Matt! Congratulations on reaching 3 months. This is the correct time to begin evaluating your beard. Your assessment is accurate. Your cheeks and front of chin are unfortunately pretty much bare. However, the growth under your neck is strong. Personally, I don't like the look of a neck beard, but it you do, I say rock it. However, if I were you, I would focus on your other strength which is your mustache. If you do so, though you are going to want to avoid trimming it and start training it to the sides to give it more bulk. Invest in a nice wax to help with the process. I would leave the soul patch growth you have too to compliment it. That's what I'd do anyway!