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Sounds like what you want is Time Machine for the iPhone. I don't think Apple would allow anyone else to make that.
I manually move my backup file immediately after it's made (stored in user/library/application support/mobilesync). That way the next backup file doesn't overwrite it.
I also have PhoneView, which archives the things that don't sync to iTunes. I don't know what its restore-to-phone functions are, because I don't care and I'd rather archive content on my desktop anyhow, but check it out.
http://ecamm.com/mac/phoneview/
(or TouchCopy if on Windows)
You cannot restore data backed up to the "cloud" if the device crashes while you are away from home ....
Doesn't make sense to me? The point of the cloud is constant sync--if you wrote something to the cloud, then the device crashes, the cloud should write it back to the phone on next launch.
If your phone is crashing so much, you might want to have it checked out--try to attack the cause of the problem rather than band-aid the symptoms.