Motorola Cliq/ MOTOBLUR factory reset/ TMobile data plan/ Prepaid account?

kitty

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I'll make this short. I was given a Cliq, and I have been using it without data ( just for texting) Today I updated my plan to $50/month talk/tex/web plan with my pre-paid SIM card. Everything works fine. But I can't get into the Market because it's asking me the password to the MOTOBLUR account from previous user. the MOTOBLUR account and GOOGLE account is locked.

Would a factory reset be safe to delete all data?

And would I be able to create my own MOTOBLUR/GOOGLE account with my pre-paid plan?

Can I do the reset without my SIM card and SD card in the phone?
 
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