Well, it does not happen as magically as we were led to believe. I asked in a different thread and jtanko78 got me started on the proper Google searches.
Here are the instructions and link to a file you must download on PC to make the iCloud content download to your PC.
How To Get iCloud's Photo Stream Working On A PC
Here are the instructions and link to a file you must download on PC to make the iCloud content download to your PC.
How To Get iCloud's Photo Stream Working On A PC