if you do a factory reset, once you sign in again, all your apps should re-download to the phone.
i HIGHLY suggest you keep them on the internal memory. there is no need to move apps to SD unless you are run out of space on internal memory...and i highly doubt that will ever happen with this phone. moto gave us 8GB of storage for apps, i have like 150+ apps and i have only used like 2gb data. so unless you are app crazy and are ACTUALLY using 8GB worth, there is no need to move them to the SD. they will actually work faster if you have them on internal storage.