Okay, FINALLY. But I'm not out of the woods yet, it's all funky with duplicates and missing folders. But at least it's working.
I tried uninstalling older MS Office Apps, then reinstalling iCloud, that didn't work.
Next, I uninstalled Google Apps Sync along with other apps I no longer needed. So I can't pinpoint it, but I'm willing to put money on Google Apps being the problem.
I didn't even need to reinstall iCloud to make it work, however, I realized that too late. After I clicked "remove" I noticed the icons were not grayed out (I did it so quickly since it was only the 100th time I've uninstalled it in 48 hours).
Anyway, it works now (somewhat) so I guess I'm off to another thread to see about the duplicates issue. I can handle getting rid of the duplicates or replacing with a backup copy ... but the weird thing is that it didn't create the "Home" and "Work" calendars that I thought were default (that's what it created on the other PC I installed on ... which I don't happen to have access to now).
Wish me luck.