Personally I think both microsoft and mac are missing the ball about ios vs desktop. My needs for mobile computing are just about none. My needs for the cloud or whatever are just about zip. I am tech savy I have coin to spend. What has happened is the sky sharing is a gold mine for both apple and microsoft . They are so wanting to make a ton of money on it that they do not realize how many of us will resist using it.
https://forums.macrumors.com/threads/1418264/
https://forums.macrumors.com/threads/1420625/
these two are some simple reasons for iCloud resistance. lots more this tech is a hackers dream. You know how some people are anti apple or anti microsoft.
I am certainly not the only person that is anti cloud. Before the internet i used credit cards for about 13 years. now with the internet I used credit cards for about 15 years.
0 credit card frauds the first 13 years with no net. 6 or 7 the last 15 years with the net. Maybe 8 I lost track.
I have no iCloud but I use a lot of credit cards for business they are routinely hacked 1 every 18 months or so. This year alone two since June. Both of these The credit card companies told me they were hacked and were changing over 100,000 cards.
Some cards are hacked by sheer muscle power. I was tricked twice in the first few years. But all the other times were by hackers no trickery. I do a lot to be careful so as far as I am concerned no iCloud for me. It would just make a hack worse.