Read and follow the attached thread, I have so many apps loaded and I agree with you it is so fustrating resetting all the passwords and on ocassion having to reinput the activation number over and over again (with PicID I had to reset everyone up after each change) and since I try new os' when available and the hybrids and i hate having to reenter all the info.
If you make sure you backup you're apps using this method and dont forget when updating the os either thru DM or the loader make sure you remove you're memory card too (this may have to do with the ringtone issue).
This is an extra step and if we did'nt change the os so often it probably wouldnt be that big of a deal (but we do and it is), this should keep you from having to reenter all the info.
Hope this helps