hard reset (facory recovery mode) advice wanted

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http://forums.androidcentral.com – I have had so many problems with my phone lately, I've tried everything, removing apps, soft resetting, etc. I have also factory recovered it, and this will be my LAST attempt to do so...just curious...when you set up, you have the option of going with at&t ready to go set up, samsung acct, or skip all and add google acct manually. Advice on setup?? Ideally I'd like to avoid unneccessary bloatware from at& t and samsung, but I also am tired of my phone not functioning properly... of the 3 setup options, are any better/more optimal? (HowTos)