I recommend using Google. Google is the most convenient place to have your contacts, because you can sync them from so many places. Your iPhone, Android devices, desktop computers running OS X and Windows, and so on.Thanks for your reply.
FYI I'm not yet familiar with iCloud. But, what I hear you saying use this:
I can get an account and upload my contacts to iCloud. Then when I edit them in iCloud it will change what is on my iPhone. ??