If I subscribe to iCloud Drive, what kind of changes will affect me? i.e. $

Does iCloud Drive add to the "clutter" of ads I get when going to most websites?

Does "iCloud Drive" essentially mean "a sharable (if I choose to do so) storage facility accessed through the WEB rather than a hard drive resident on my desktop or laptop, which also contains a collection of Apps for my personal or for shared use"?

Thanks for any feedback, DWW