[xweaponx]

A full backup is a great idea for saving your current setup when you get it ideally tweaked on a rom that you will use for a continued duration. If you install a application, program, etc that causes a severe failure which requires hard reset, then your full backup will become very useful.

If you are flashing a new rom every week or so (like me), then a full backup is useless as a full backup will only overwrite any un-backed apps, folders, etc on the new rom. In addition there may be a conflict of settings from a backed-up rom to another which may cause problematic issues...

As Pibe described above, create detailed & organized folders of all commonly used folders, apps, and backup your contacts, messaging folders, and call logs using PIMBackup (I use it too) and save it to your SD card. Since it is isolated from device it is a great place to save everything from which you can retrieve settings and backed-up files...