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you can download a few apps that backup your phone like contacts sms mms etc...there is a function on the phone to do a reset and it will wipe and reset the phone to factory. oh yeah you can reinstall the paid apps without paying again only if you use the same google checkout email address you used to pay for the apps.
Yes just swap the memory card when you swap the phone. Also google automatically backs up your phone if you have that checked in your phone so when you get the new phone and add your gmail account it will pull down all of your downloaded programs, contacts etc. They will all show up in your main menu so you will have to drag and drop them on your home screen like you had them before but they will be there. I swapped my phone and did all this and it worked flawlessly
If you paid for Beautiful Widgets be sure to back that one up first since it is currently off the market until the developer changes it enough to appease HTC. No word if the new version will be an upgrade to the old one or if we would need to pay for the new one as well.