I'm new to this, but...I keep reading that the solution to many problems is to "just reset to factory settings." Doesn't that mean that I will have to redo a LOT of settings: my apps, my screen, my photos and videos, my ringtones, etc, etc?? If so, that is very significant to me. Please tell me if my understanding of a factory reset is wrong and/or if these is a work-around because I have numerous issues with the latest update. Alternatively, can I rollback to the previous version to rid myself of all the issues?