where do I go to actually upgrade to Icloud ?

To upgrade your iCud storage plan to a larger plan? See the following from Upgrade to iCloud+ - Apple Support

Upgrading to iCloud+ is simple. Just follow the instructions below on your device. Or, tap here to upgrade to iCloud+ in Settings on your iPhone, iPad, iPod touch, or Mac

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

1. Go to Settings, then tap your name. 
2. Tap iCloud, then tap Manage Account Storage or Manage Storage. Or scroll down and tap Upgrade to iCloud+.
3. Tap Buy More Storage or Change Storage Plan.
4. Choose a plan and follow the onscreen instructions.

How to upgrade on your Mac

1. Choose Apple menu  > System Settings or System Preferences.
2. Click Apple ID.
3. Click iCloud.
4. Click Manage.
5. Click Change Storage Plan or Buy More Storage, and choose a plan.
6. Click Next and enter your Apple ID password.

How to upgrade on your Windows PC

1. Open iCloud for Windows.
2. Click Storage.
3. Click Change Storage Plan.
4. Choose a plan, then click Next.
5. Enter your Apple ID password, then click Buy.