Thanks to all of you for the good conversation. I agree with several of you who have said you guess this is just something we're going to have to put up with... and I, too, can't figure out why they'd put this in as a default. I've saved nothing to iCloud. The only thing I'm doing that I guess would be using it somewhat is keeping my contacts and my calendar coordinated between my iMac, my iPad, and my iPhone.
I guess we can hope that Maverick will fix this, although I'm afraid what I've seen with each new edition is heading more into the floating in clouds behavior rather than less. Sighhhhhhhh.... certainly isn't enough to make me even remotely consider leaving Apple/Mac, but frustrating just the same.
Oh, and btw, I tried to give everybody a "This helped me" star since it seems this isn't a solvable question. However, the opportunity to dish out points disappeared after I clicked on the first two, so I'm sorry to anyone else that I didn't give you any. The conversation at least let me know I wasn't as fumblesome as the problem was making me feel, and for that, I really appreciate you all.