I'm looking to just to a full reformat and reinstall of OS X, but I don't want to lose a lot of the stuff I've accumulated such as my mail, address book, keychain, and other settings. While I know where to back up some of this stuff, I just know I'll miss something. Is there some little utility that will back most of the personal information, pretty much like the migration assistant, and then let me restore after the reinstall? Hint: I'm not going to pay $100 to make this happen.