Q: How can I remove my mail & pics from iCloud & save them to my Win 7 PC?

You can import camera roll photos (an videos) and delete them from your phone as explained here: http://support.apple.com/kb/HT4083.  This will reduce the size of your iCloud backup.  Removing photo stream photos won't reduce your iCloud storage as they don't use your iCloud storage.

Backing up your email depends on what email client you are using on your computer.  To back up email on a Mac, read here under "Mail and Notes": http://support.apple.com/kb/HT4910.  If you have Outlook on a PC, you back up your mail by exporting it to a .pst file.

Also, this article will explain how to manage and reduce your iCloud storage: http://support.apple.com/kb/ht4847.