You get a thumb drive and put it all on there. I don't recall how to transfer accounts to a thumb drive since it was usually something someone else did for me on work. But I know that you can just plug in the thumb drive and copy all of your saves and username over to it. There is probably an option in the system tools to transfer usernames.
I know that Sony on their site tells you how to replace your HDD if you wish to do so. They give you all of the instructions to go through. And I believe that backing up the data for your new HDD is part of that. So you can probably look on Sony's site for the exact details.
The save data is pretty easy because you can go into the options of the save files and move or copy it to a different location, that being the thumb drive. So that part shouldn't give you any trouble.
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