So...what is the solution again?
Froyo contacts has an import/export feature that will back up your contacts to a .vcf file on your SD card. From there you can transfer to your computer and backup to CD/DVD for later restore if needed. It does all your contacts, phone and gmail. The .vcf file is just text, so you can view it or edit it with a text editor and that's great. It also saves your contact photos (it uses text to encode the photo) and that's cool. This would seem to be the answer to the OP's question.
A further question would be how to use the .vcf file in useful ways, like importing to Outlook contacts or importing to Microsoft Access so that you can manipulate the data for export to your next wiz-bang phone. I'd like to know the answer to that question...that's why I'm here.
Punkzanyi & Carnivex suggest that the phone automatically backs up to gmail, but I think the consensus, my observations, and Carnivex's opinion are that that's only for the Gmail contacts on the phone. What good that is I couldn't tell you. Carnivex is the kind of simplistic user that is so frustrating to talk to, they give useless answers to problems because they don't think very deeply and don't use much of the device. Carnivex, the OP specified "manually typed in," so what good is it to remind him that gmail contacts are backed up to Google? Gmail contacts aren't manually type in to the phone. If anyone knows of a way that ALL contacts get backed up to Google (and anything less than that is totally useless), I'd like to hear about it.