I agree completely. Though iCloud seems to have added a backup for iPhones and iPads, I like syncing our iPhones with our MacBook and relying on our Time Machine backups of those. They saved me from myself when I payed attention to the messages from Apple in System Settings and decided to try more of the iCloud features. You are absolutely correct, it is great for sharing photos. I had a good experience turning on Passwords and Keychain, Contacts and Calendars though I had to do some work on Contacts on our MacBook after turning that on to eliminate duplicates and link some names that appeared to be duplicates but were not quite exact duplicates. Once cleaned up between the two of us, Contacts have been working great on all of our devices.
I made the mistake to try iDrive and did not like having to be connected to WiFi all the time to access my documents so I turned that off. I selected to have iCloud keep a copy on my MacBook but it never did that. Instead it erased all of my Documents as the folder was completely empty. Lucky for me, I could restore them from my Time Machine backup.
I made the same mistake with Music and iCloud. I turned it on to try it thinking it was some sort of iCloud backup but when I turned it off, it removed all of my Music from my devices. The music I own I bought from different places, not iTunes or Music so I guess iCloud Music thought I did not have a right to these even through I bought and paid for them decades ago. Lucky for me, I could restore my songs from my Time Machine backup and sync my iPhones and I have everything working like it used to. I hope I remember to never turn on any other iCloud features. Whatever they are for, they are not for me.
iCloud confuses me. If Apple is moving toward iCloud being a backup of iPhones and iPads and perhaps of MacBooks in the future, then I wish they would take the lead design idea of the Time Machine team because I really like and understand how that works. It just creates a new desktop and I can go back in time to restore anything I need to restore. If the iCloud team used that design to backup iPhones, iPads and MacBooks then customers like me would understand how to use that and not go losing our songs or our documents. If the iCloud team then added in the sync of app data across devices and always kept the data on the originating device if the customer turned off the sync of app data for a particular device then customers like me would be cooking with gas as we would not be able to shoot ourselves in the foot wiping ourselves out and having to go through a lot of hoops to get back where we were. C'est la vie. I wish all of this were simpler. I wish Apple would apply the K.I.S.S. principle to backups and app data syncing because I see the two as similar and frameworks that could go together and be simpler and more straightforward than they are to me now. Oh well, live and learn.