I don't trust iCloud
Apple is making it harder and harder to not use iCloud. I don't want all photos and all contacts and everything to be on all of my iThings. Plus, just the name is silly. It's not a cloud, it's a server somewhere. I don't know where it is and I don't know who is in charge of it. I don't trust it.
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iMac, OS X Yosemite (10.10), I just updated to Yosemite.