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I did a factory reset and it lost my SMS/MMS messages. I also had to import my contacts from the vCard file on the SD card, which I think was put there by VZW techs. I also lost app settings, like Locale situations, Exchange accounts, etc. Oddly, it remembered all of my wireless networks.
Most of my old apps did not re-install, but some did, which is kinda okay with me because I wanted to clean them off anyway. All of the apps I had were free, so I didn't mind if I lost any. I know several "file managers" like Astro can backup and restore applications to the SD card.
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