Thanks for the replies
Just want to say thank you to those of you who answered my question, and it appears it does have a lot to do with where you are most of the day and how comfortable you are with having your information *out there*.
I do indeed generally leave a brower open, but I don't allow my browser to remember any passwords and when I leave home everything gets closed down especially anything I have to log in to access. Those decisions do make me much less likely to use internet-based programs. In addition to that preference, not having access to a computer for big chunks of the day definitely helps me make my decision also.
Again, for those of you who shared your systems, you did explain clearly why it works for you and I am happy to hear I am not the only person who is way too security-concerned to have my important stuff backed up in the cloud Gonna see how I do with Got to do only.