I want to reset my Titan but im afraid if i do ill lose all my apps that Ive paid for like Garmin street pilot and my games. Will I be able to redownload my apps for free? And also my games after i reset phone?
You will of course. They are tied to your Live account (whatever the main one you have on your phone now), as long as you use that account again when you're setting up the phone again you can redownload the apps from the marketplace.
It might be easier to go to windowsphone.com though. From there you can access your account purchase history and just click reinstall beside the apps you want to put back. The phone should pick that up and download them automatically.
Yes, i've done it myself. When you go to marketplace it will say the app is already in your collection, would you like to reinstall, or something similar.