Wanted to comment on saving docs to a place other than iCloud
Having only just got a Mac I too was perplexed as to how to store things outside the Cloud. I read all advice given below. For me, as a previous Windows user, the key thing which was not answered (or perhaps even asked) was where was how to find the hard disk to save my folders to. Please forgive my ignorance if you are groaning but this is a vital piece of information. Below is what I did, hope it helps someone.
To see your hard disk/drive:
Click on the Finder icon, then 'Finder 'on the top ribbon, then 'Settings' and under 'show these items on Desktop' tick 'Hard disks'.
The hard disk will then show on the desktop as Macintosh HD. Double click to open MHD, open the Users folder, followed by your user folder and then drag the required folders from the Cloud to that area.
I am virtually neolithic when it comes to technology, so forgive me if I am teaching you all how to suck eggs, but this worked for me.
I have never posted before so probably have gone about it the wrong way so apologies for that.
Over and out.
MacBook Air, macOS 13.5