I got my Incredible last week and a few days later I got the OTA installation for Froyo. Since installing my phone has been a little sluggish and the battery life isn't as good as 2.1. I'm considering doing a factory reset since that's what has helped some people. A few questions though: 1) How do I do a factory reset? 2) Will doing a factory reset bring my phone back to 2.1 or 22? 3) How do I back up the apps I've downloaded? Specifically the PAID ones. Will I have to pay again for them? Thanks!