Go to your app manager and look for Android System Webview, then uninstall the updates. A couple of the recent updates to it have been known to cause other apps to crash immediately. Wouldn't hurt to try that before a reset. If this fixes your problem, make sure to disable automatic updates in Play so it doesn't install the bad updates again.
If you still have to reset, here's what worked for me when I got a warranty replacement. Make sure contacts are backed up to your Google account. Use the HTC sync manager to backup media, settings, etc to your computer unless you have another preferred backup system. For the apps, grab Helium from the Play store. It doesn't require root, but does require connecting to your computer and possibly downloading additional drivers to it. This will allow you to backup apps plus app data to your computer. Titanium will backup to an external sd card, but requires root access. Lastly, remove your sd card if one is currently mounted. I've seen a case where a factory reset botched and also reformatted the external sd card that was installed. Don't want to take any chances there.
It took a little to get Helium setup and running, but mostly because of wait times for installs and the backing up. It was relatively pain free and then reinstalled all my apps on the replacement phone just fine.