I would hate doing a fresh install. The number of accounts I'd have to reconfigure, the number of apps I'd need to pull back down, the number of those apps that I need to reset the credentials on (eg. banking apps, stock portfolio stuff, etc) not to mention the PITA involved in making sure all my authenticators are either backed up, or turned off via the services in question and then turned back on again after the fresh install, etc.
Oh, and there's also the fact that I hold a LOT of data on my phone and copying all that over again, ugh.