How do I pay the $2.99 per month to upgrade to the 200GB ??? that's all I want to do but can't find where it is to be done!!

See instructions in Upgrade to iCloud+ - Apple Support including the following:

Whether you’re on an iPhone, iPad, iPod touch, Mac, or PC, upgrading to iCloud+ is simple. Choose your device below and buy more in just a few quick steps.

How to upgrade on your iPhone, iPad, or iPod touch

1. Go to Settings > [your name] > iCloud > Manage Storage or iCloud Storage.
2. Tap Buy More Storage or Change Storage Plan.
3. Choose a plan and follow the onscreen instructions.

If you're on your iPhone, iPad, or iPod touch with iOS 14 or iPadOS 14 or later, tap here to upgrade to iCloud+.