What to backup?

Going to reformat my phone (Dinc), and wanted to run down the list of what needs to be backed up by me and what is already in the cloud or on SD.

Contacts - cloud (anyway to double check they're all there and not on the phone)
Gmail - cloud
App Data - SD Card (mostly)
Apps - AppBrain
SMS - Needs to be backed up by me
Music - Can be resynced from laptop
Pictures - SD Card
Keyboard Dictionary - ???

what else is missing?