Hello Gail. This is the second time this has happened to me in that I find a post and look for replies but they are not there. Then when I am done with my "rant" as you will call it, suddenly there are a large number of replies.
I do apologize for my post that you will see somewhere here. You do have some great information on how iCloud works, even though it doesn't make it any more logical. I do wish I could have found your post before going through what I went through this winter. Creating that file prior to everything being taken to iCloud would have saved hours, days, of frustration.
It my post there is a suggestion for just that, how about a folder that lets us upload the files we want in the cloud. Even if there was choice of either "Desktop" or Documents."
Also, it is important to note that the file created must not be on the Desktop or in Documents and that you have to go to "Home" to create it. If there had been a dialog box prior to turning on iCloud explaining what was about to happen to my files and folders in Desktop and Documents, and that I could create a folder to keep that from happening, well, I'd be happier. And, I'd like to have faith in my OS of choice once again.
I will read through your posts as you do have a lot of great information there. Perhaps the answer to the question that I had several hours ago is there!
Thank you.