Thanks Barney,
Looks like if I disable Contacts in iCloud on my Mac then I'll not see my iCloud contacts, only those I keep locally on my Mac?
I just thought that as you can have both iCloud Notes and Notes on my Mac all seen together when you open Notes, how nice it would be to be able to do the same with Contacts.
I'd love to have my Bookmarks separated too, so I have them all available to view but I only see my Mac-only Bookmarks when on my Mac, and likewise I don't see my Mac-only Bookmarks when on iCloud with my iPhone. At present I have a text-edit document on my Mac hard-drive containing my Mac-only Bookmarks (with a link to it in my Favorites) but it's pretty unwieldy.
Thanks anyway for taking the time!