Phone won't send texts

For some reason, my phone will periodically not send text messages, and the problem won't correct itself until I either reboot it, or I turn on airplane mode, then turn it off. I receive a message that the text message won't send, and it gives me an option to retry. After several retry attempts, I give up and reboot or cycle airplane mode. I've seen some notes across the web about it maybe being a SIM card issue, or potentially a firmware issue. I'm hesitant to restoring the phone to factory, as there are a number of files, apps, and settings I'd have to restore. Any thoughts from the community?

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Re: Phone won't send texts
Contributor - Level 1

Have you tried to power off, pull the SIM card then re-seat the sim card?