I am having an issue where I lose my 3G radio when enter a 4G area. I need to switch from the 3G/4G radio setting to the 3G only radio and then the 3G signal comes back (sometimes I need to pull the battery). I am not rooted and have the latest SW update. The folks at Verizon say to do a Factory Reset. I am willing to do that, but would like to minimize the work I will need to do to bring the phone back to its current level from an apps perspective. Looking for what to expect with a factory reset... 1. If I move apps to the SD card will that do anything for me? 2. Do I need to back up pictures and music from my SD card - in other words will the SD card get re-formatted? Any help/suggested would be appreciated.