Can I set up I Cloud and change my mind without losing any data or photos?

I have the Iphone, Ipad2 , and Macbook Pro and want to set up ICloud. I read a post that said, should you decide to NOT use it, you will lose all of your data and photos. Is this true?

I set up an iCloud account and only use it for certain things. I do not use it on my Mac, even though I can, but I have chosen not to do so. I sync bookmarks, reminders, app data and documents (for Pages) but I did not setup an email account nor do I use Photo Stream. You can pick and choose what to want to sync to iCloud.

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