tl;dr - Periodically review the apps listed under "Manage Applications" > "All" (Android) to make sure either your carrier or some other third party hasn't added some form of spyware.
I haven't checked the installed apps in a while and did so for the first time in a while today. What I noticed were a lot of apps I didn't recognize including ones with generic sounding names and way more permissions then I'd expect. The two that stood out to me are "Account and Sync Settings" and "Music Visualization Wallpapers". I plan on formatting the phone later today just curious if anyone had insight on these or any of the other ones listed below. I'm really not that much of an app downloader and would NEVER download anything having to do with wallpapers so I'm unclear how this stuff even got on my phone in the first place. The ones marked (CL) I remember being loaded when I first got the phone (carrier loaded) and the ones marked (DL) I definitely downloaded myself.