avoiding yet another monthly bill are more important to me than global access to my data.

I have to agree, last thing I want is to RENT an OS... and M$oft would milk you dry. What do you do when it craps out ? What would the M$ cloud cost per month - remember you're getting charged for an OS + the connection fee charges? $50-$75 -$100 ? Many people are lucky to afford a computer right now. The M$ cloud could get real expensive. It'd have to be very cheap and trouble free, I just don't think M$ can pull that one off.
David (OFI)