Well, I haven't had to use it yet so I cannot comment on how effective it is (and sorry, I'm not going to test it out by restoring my HTC One), but I've been using the HTC Backup option built into the settings. It's set up to back up settings, accounts & passwords, bookmarks and apps daily to my Dropbox folder over wifi. There's also a setting to automatically restore backed up settings and data when reinstalling an app. It appears more robust than just the standard Google backup option. Maybe someone else who's had to restore using it cannot offer additional insight.
Ya, I think I saw that, but hadn't configured it as I only found it when looking for a way to restore. There was no prompt when I set up the phone to use some default as a restore option.
I think it's a huge oversight. With all the apps, documents, music and 'stuff' people have and do on their phones these days I find it ridiculous people just glaze over this oversight.
Anyways - thanks for the tips. I'm not going through the hassle to root or unlock (no matter how "easy" it is), just as I preferred not to jailbreak my iPhones. I want a phone that works out of the box - and given my use of iPhones over the years and iCloud's restore options, I can simply sign in and my iPhone is MY iPhone right out of the box.
I find it hugely ironic that this is "no big deal" to some of you who rail on Apple for much smaller inconveniences.