I see the same problem. I held off starting with DropBox or such servide to give iCloud a chance. I am currently dragging entire folders between a USB stick and various computers to keep them synched. I saw that DropBox offers the integration functionality as if it is a disk drive for almost all devices and applications and thought "hey, neat!" Then I heard Apple was bringing a cloud service into being that was better than Mobile Me and thought "hey, I can bring synching my consumer matter and business matter into the same service and leave behind having to use DropBox, GMail, EverNote, and moving towards finding a to do list app that works across all platforms too with my services fractured among many providers.
You would not believe the huge number of professionals and entrepreneurs I see pulling out Apple products like MacBooks or with iMacs on their desks in offices and at front service counters. This is a HUGE market segment and is growing by leaps and bounds both for software reliability and hardware solidness and elegance in operation. And they are on-the-move professionals that need access across all platforms just like I do.
I was also encouraged when from stories that it appeasr that Steve Jobs (bless) took the Mobile Me crowd into the back office a while ago and collectively smacked them across their heads and said "you blew it! Now get it right!". They appear to have gotten it right for consumers but left loyal professionals and entrepreneurs behind again.
The main drawback for iCloud to replace iDisk and use for documents for larger users are:
Fail #1 - no iDisk-like functionality for desktop machines. A Web-browser drag-and-drop approach is NOT a substitute for a fully functional data storage system. For example, I have four main business directories and numerous sub directories with a few hundred documents. Its only half the size of the cloud storage space offered. But have you ever had 100s of documents all on one scroll screen with no directory structure and had to drag and drop anything you want to read or work on to a desktop, work on it, save it back to the desktop, and then drag it back to the Web tile interface all day long? I haven't had that experience yet and don't intend to even try. I shudder just at the thought of trying it.
Fail #2 - iCloud functionality works for both most recent versions of Windows (and for Windows 8 Beta for all I know). But it doesn't even give a boo to Snow Leopard. I have one Lion machine. But a number of us that are still on Snow Leopard because app developers haven't released patches for moves to Lion, haven't released new versions for Lion, or even worse, have release new versions for Lion but made them prohibitively expensive to change to and/or made it impossible to migrate data to from the old version. I know this is the software makers' problem, but leaving the Snow Leopard crowd which is huge behind or forcing them to virtualize Snow Leopard to keep applications functioning just so they can have Lion for iCloud is a little silly. Especially when the service works for all current flavours of Windows post XP. (and Snow Leopard is as young as or younger than the Windows versions supported).
As a result I'm pretty much thinking of giving iOS 5 upgrade, Lion upgrade to iCloud use, move to iCloud services including abandoning current third party services for email, calendar, storage, note syncing, etc, and upgrade to iPhone 4S a pass because everything is working fine right now in their current iteration and it appears Apple got iCloud right for consumers but not for on-the-go professional users (I know a lot of doctors and engineers currently disappointed in this). Its use for consumer purposes like media is nice, but I am able to make do fine with the previous version of syncing and using pre-iCloud...so what is the compelling reason to upgrade and try? Not here as of yet...and that's a pretty bad message to come from someone with a MacBook Air, an iMac, a MacBook Pro, a Mac Mini, two iPhones, and an iPad in his business and home environment.