Backstory...I have been an iPhone user since the 3gs > 4s and am bored with the phone. It works great, it's just boring and as a self certified geek, I like to try new hardware. My dad recently upgraded his L900 to a HTC 8x so I bummed his 900 for a few weeks and liked WP, so I bought a used 920 off ebay and it just arrived today. I've done a software reset (settings > about > reset) and it booted back up without a hiccup. Question is, should I perform any deeper reset or is that good enough? I'm kinda paranoid about someone stealing my CC info b/c of some crazy not yet invented hack, even though I have no reason to believe this will happen. I've read the horror stories about the phones getting bricked by doing a hard reset so I'm apprehensive about performing one. Just looking for some quick advice. Thanks!