As a normal android user and my hobby is reading. On the first page there are my favorites applications. Became an habit to read during breakfast time and while RED traffic light.Reading currents, twitter and Facebook.
On this page most of it using cloud services to store it's information. That why I'm not worry to flash new firmware. I just need to login back and have minor configurations.
Personal info kept inside Evernote such as you Bank acct no, Employee#, Income Tax#, Kids Personal Identity#, etc.
I have SMSBackup by Christoph Studer installed to auto backup my SMS to GMail SMS folder. It's auto save to GMail when it received. Go back to GMail SMS folder and all your message stored there. I have more than one thousands message saved there since 2009 (When I start using android).
Make sure use your Google account as you default contacts and calendar.
All using Cloud services. No worry. All data will be back to normal once login, even after phone formatted or getting new phone :)
I have two home page only. My frequent usage apps :)
What's your favorite apps??