Correct--now it's a matter of whether the developers of these applications are too lazy or aloof to bother to make them a bit less prone to permitting errors.
nandroid isn't a standard too, no.
However, Android Market does make a similar back-up of your installed apps and settings on their remote servers for you as part of their market
And.. when you sign into Android Market on a new phone or a wiped phone, it immediately gives you the opportunity to begin restoration automatically. But, wouldn't you expect a better OS to do.. yanno.. better? Where's the progress?
Will it do full state images like nandroid?