Are mobile network's settings retained after flashing a custom ROM?

As a tentative newcomer to the world of flashing ROMs, I've searched the forums but not found clarification on the following:

If I was to flash a cooked ROM onto a Windows Mobile device (say a Touch HD on the UK T-Mobile network), would the phone still have access to the settings/configuration it needs in order to access the T-Mobile network for data, SMS, etc without any further work or reconfiguration required on my part?

If so, where are those settings held such that they are unaffected by flashing?

If not, would I need to locate and back up the necessary settings prior to flashing? How is this generally done to ensure that no settings are missed?

Thanks in advance to those taking the time to reply.

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