Hey there and welcome to Apple Support Communities bobbieinSDcounty,
We can certainly understand your concern and see you came to us from the article Other ways to back up and restore files.
We recommend checking out this link for more information If iCloud Keychain won't turn on or sync:
"If you don't see your iCloud Keychain items
There are several reasons why you might not be able to find your iCloud Keychain information.
Did you restore from an iCloud backup and then notice missing iCloud Keychain items?
iCloud Keychain items aren't part of iCloud backup because they already live in the cloud. To see if iCloud Keychain is turned on:
- On iPhone or iPad: Tap Settings > [your name] > iCloud > Passwords and Keychain.
- On Mac: Choose the Apple menu > System Settings (or System Preferences), click your name (or Apple ID), then click iCloud. Make sure Password and Keychain (or Keychain) is turned on.
Did you turn off iCloud Keychain on all your devices?
If so, your iCloud Keychain is removed from the cloud. If you chose to delete the keychain items from your devices when you turned off iCloud Keychain, your iCloud Keychain is also removed from those devices. You need to set up iCloud Keychain and add items again.
If you turn off iCloud Keychain on all your devices, and choose to delete your iCloud Keychain locally on all your devices, this also deletes your Keychain data from iCloud servers.
On your Mac, did you use Keychain Access to reset your iCloud Keychain?
If so, macOS deleted your iCloud Keychain items. Try to set up iCloud Keychain again. If you need to reset your Mac Keychain again, temporarily disable iCloud Keychain in iCloud Preferences before you reset your macOS Keychain."
Kindest regards!