chuck3400 wrote: I'm off the grid a lot and being cut off from files is beyond annoying ("You can't access that folder. you haven't renewed iCloud...").
The idea of iCloud Drive is that iCloud mirrors the iCloud Drive folder on your Mac-- all the files remain on the Mac unless you specifically choose to offload them. I don't. So I never get any sort of "can't access" message.
People who are stuck with little storage, especially on iPhones, can choose to "optimize storage" by keeping large files at iCloud and off the device. I do that with my iPhone, so I can look at some of those files if I need to, but they don't otherwise stay on my phone. I don't use Optimize on my iPad, but I have Keynote files in iCloud Drive, for instance, available for presentations (or practice) with the iPad.
The best part of iCloud is iCloud Photos. This allows me to edit my pictures on my Mac, and to view them and share them with others using my iPad. But I only use iCloud Photos for the pictures I want to share--others are kept in Photos Libraries on my Mac that aren't mirrored at iCloud. With iCloud, you can mirror only the files and images you want.
As for security, we are all potentially vulnerable. We have to have backups that aren't internet connected. Apple seems as secure, and probably more so, than anyplace.