You can start by making a better thread title. You'll get more help that way.
haha, wow. nice
before you do a hard reset--2 things to mention:
1) GPS on thunderbolt is finnicky--everyone is experiencing problems getting a solid signal/lock, and HTC is releasing a fix for this in the upcoming software push
2) have you tried clearing your GPS Cache to see if that fixes the problem?
in the marketplace, search for GPS STATUS, and use it to clear your cache and get a solid fix. it worked for me after i was having issues.
if neither of those are plausible for you, then do this:
1) menu>settings>accounts & sync> under Manage Accounts--tap each account you want to backup)> tap the checkmark box to enable the sync of Contacts/Email/Calendar (of your gmail accounts)
note: if the circle next to the account is not green, it won't be backed up/sync
2) after you've done this, return to the main screen of Accounts & Sync> hit 'SYNC ALL' at the bottom of the screen
that'll sync all of your google accounts, facebook accounts & any other accounts you've linked to your phone.
when you reset, just sign back in using your google account on the phone, then add each account once again & you'll begin filling your phone with all of your Calendar appointments, contacts & emails.
like Frank said, your apps are backed up through your gmail account.
once you sign back in to your phone, log back in to the Market app, and you can download all of your apps after you search for them.
(or, to see your apps in an easier UI, go to market.android.com, sign in, you'll see a list of all of your downloaded apps--and you can click "download" on each one)
marketplace app==need to search for each of your (unpaid) apps to re-download them
market.android.com==sign in, see a list of all of your apps, and do a remote install of them, pushing them from the internet browser
appbrain=download the app, sync your app list, wipe your phone, download the AppBrain app again, and it will automatically sync all of your apps.
note: unless you are Rooted, your app Data will NOT be backed up...that means you lose all progress on any game/customization (angrybirds)