I prefer not to log into iCloud during an install. The reason is I use separate AppleID's for my regular iTunes (purchase/credit card account), and another just for iCloud. I get things set up a bit, then log into iCloud using my iCloud ID to get things synced. Later, when I use iTunes or the Mac App Stores, I will log into with the other AppleID, the one used for purchases. This way, I don't have CC info associated with my iCloud account.
If you log in with an AppleID from the git-go, it wants to make that your AppleID for everything, iCloud, iTunes, MAS, etc.