Interesting and very attractive, though I feel there is a little risk in clouds.

What if...

... clouds are blown away by a black out? What length of time would be tolerable without being able to access your invaluable data?

... the admin guy at your cloud company goes crazy or peeky and starts intruding your privacy? (I know it sounds a little paranoic, but it has happened) (Did you read the artice "Background check companies scrutinize your online presence" http://ct.techrepublic.com/clicks?t=904057142-a29eb71f2d55c12efec2de36c8594a33-bf&brand=TECHREPUBLIC&s=5 )

There might be a lot more reasons...

I might be old fashioned, but I feel far more secure by keeping my data safe at my sight... A DVD, or an external HD are now so low in price and size, and they are faster than any uploading speed I can be offered.

Regarding "windows is about to be gone" I seriously doubt it. Did you forget that the best (and probably the only really good) thing of MSFT is its Marketing Department? You can sell whatever you want if you have a good strategy...