After choosing an easy-to-remember password for my Lumia 1020's wallet, I promptly forgot the password. It would be nice if I could just delete the wallet and start over, but apparently the only way to reset the wallet is to hard reset the whole phone.
I know a lot of stuff, such as my photos, gets backed up to OneDrive. What am I going to lose if I hard reset my phone?
In other words, what are the big things that aren't backed up, and that I should take care to back up myself before I do a hard reset?