SD card phone back up

[unofornaio]

Since I have had no luck fixing my hotspot problem I'm going to try a factory reset. I've backed up the phone using the phones back up procedure in settings to my internal SD card. The concern I have now is I've seen other post's that mention the phone notafter factory reset NOT recognizing the password. Some mention this happening after encrypting the card? I'm not sure but my question is: Since I've added a password when I put the SD card in after the reset will I still be able to get the files back on my phone? Is backing up to the SD card a reliable way to do this or should I use another method.? Thank you