Well first ask yourself "why am I doing a hard reset". Are you trying to fix a glitch or something else?
Secondly, yes, the hard reset will wipe out EVERYTHING that you've loaded. Your phone will be just as it was the day you took it out of the box.
I would suggest making a backup of your phone (use Sprite, etc.) before hard resetting. That way you'll be able to easily load everything back on to it.
However if you have a major problem with a program/app...restoring from a backup file will of course reinstall the same problem.
late,
Coz
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"I don't want to spend my life explaining myself. Either you get it or you don't." Frank Zappa
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