"Anyone have a great way to back-up data that preserves user settings? I'm getting sick of reinventing the wheel."
Yes, get yourself a spare HDD and slave it to your CDROM or Burner, and ghost the whole sys. once you get it up and running with everything you want installed, once you do this and as long as it is working without errors you can ghost it anytime you want to backup new programs or data, it will over write the HDD.
I'v been doing this since ghost came out and even before with drive image, if everything goes gunney sack I'm up and running in less then 20 min.