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Several things.
For some reason, I've seen stories where resetting network connections was enough for this kind of thing. It should be in the list of possible Erase options. You should try all the other options there (eg Reset settings) before wiping the phone.
If you go ahead and erase the phone IF YOU HAVE ANY AUTHENTICATOR APPS or banking apps please make sure you disconnect those first. I lost access to gmail for literally years because I didn't do this and the only authenticator was wiped but they still thought it worked so kept sending me to it (nice loop there). This was only solved when a friend in tech had a word with another friend to look out for my attempt to get back into my account.
If you have a computer available to do this, it keeps more data intact (I confess to being a bit vague about what, exactly) if you encrypt the backup via iTunes or Finder (depending on your OS). It's also much quicker moving the data via USB and you're correct about the 5 gig limit which is almost certainly not going to be enough.
Good luck;)
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Cheers,
Jason