I read if I stop using the iCloud account I will loose everything in 30 days if I don't download to my iMac. I back up everything to my external hard drive using time machine, My iMac has everything in the iCloud that i can see after checking this morning 1-12-2019. I specifically want to stop using desktop and documents in the iCloud and stop using more icloud memory if necessary to reduce my footprint in the cloud to the smaller tier. I am using an iMac, year mid 2011, running high sierra. with 1tb hard drive and 16 gb of memory.