I can't upgrade to Lion as it will break compatibility with at least a few software plug-ins I use daily for work. I did not know iCloud would be Lion-only (I'm on Snow Leopard), so I already have a 4S on the way. Exactly what features will I be missing, without iCloud set-up on my mac? No Photo Stream or iTunes Match? I can still backup my iPhone to the cloud or to my Mac, correct? What am I not thinking of?