There are several ways to backup contacts.
1) if they are G-mail contacts then you are already done. They sync with G-mail automatically.
2) if you use HTC Sync to sync with Outlook - just do a final sync before reseting the device.
3) in the People app go to Menu-> Import/Export -> Export to SD card. This will create a .vcf file on the SD Card that can be imported to People after the reset.
First and foremost - if you have not done so already - sign up for AppBrain! It will make re-loading your apps MUCH easier. All you will have to do is load AppBrain from the market - re-sign in and sync. All your apps will be listed for download and install.
Your Pics on the DInc are stored in /emcc/DCIM/100MEDIA You can use File Manager, as previously stated, to copy them to a Pictures directory on the SD Card. Also in the Camera options, you can set Storage to SD Card by default for the future.
Hope this helps!