OK. We are good. Here is a question. Not intended to be snarking. When I look at my iPhone Backup it only takes up 4GB of iCloud space (probably because a lot of the data on the phone is already synced to iCloud), but the phone's local storage uses up 22GB. So, if I backed up to my phone to my computer, I assume I would not backup the OS and maybe the Apps, but wouldn't it be significantly more than 4GB?
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On the other hand, I could see how someone might have a completely different situation. The marginal cost of more iCloud space would be significantly more than using available local laptop storage for backup.