By the way, when doing an Archive&Install you can choose to Preserve Users and Network Settings in which case your user(s) home folders will be restored as they were before the reinstall. So yes, you could keep all your photos and music.
This said, even if you DON'T choose this option, you can jsut copy stuff over from the "Previous System" folder after the fact. Sometimes it's desirable to NOT preserve the user folders if you suspect that could be the source of your problem(s).