iCloud looks great on paper, but the effects of choices you must make to enable it are not obvious, so, as a busy person with more than enough troubleshooting to do, I am shutting it off for now.
No replacement for iDisk yet.
I’m probably one of the few people that use iDisk, but I do use it. I store my Papers library on it, and a variety of assets I use at work and at home. It was a great little server, without any hassle. According to this technote, I have to save my files and get ready for it to disappear.
I never used the iWeb or MobileMe Gallery features, but it looks like all of that is disappearing also. iCloud is neither a hosting service, nor an unstructured file-server. Documents can be stored by apps, but probably not dragged there by you, as far as I can tell.
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