I am being asked to upgrade to iCloud Drive but indications are that I will not be able to access up to date details on any of my documents on my Mac without going into iCloud first.  Have I got this interpretation right or can I save changes to acce

I am being asked to upgrade to iCloud Drive but indications are that I will not be able to access up to date details on any of my documents on my Mac without going into iCloud first.  Have I got this interpretation right or can I save changes to access the new versions on my iMac?

That is Apple's statement:
Using iWork with iCloud Drive - Apple Support
Options for iWork customers
You can upgrade to iCloud Drive today if you want to keep your documents up to date in iOS 8 and OS X Yosemite, and you want to use the iWork web apps on iCloud.com and the Share via iCloud feature.
You can upgrade to iCloud Drive later if you want to keep your documents up to date with your apps on iOS 7 or earlier and OS X Mavericks or earlier.
Upgrade to iCloud Drive today
To access the most recent versions of your documents from a Mac with OS X Mavericks or earlier, you’ll need to go to iCloud.com and access Pages, Numbers, and Keynote from there. On a PC, you can install iCloud for Windows and set up iCloud Drive.
If you upgrade to iCloud Drive now:
Your documents will keep up to date across devices with iOS 8, Macs with OS X Yosemite, PCs with iCloud for Windows, and iCloud.com.
Your documents will no longer keep up to date on devices with iOS 7 and Macs with OS X Mavericks or earlier.
You’ll be able to use the iWork web apps on iCloud.com.
You’ll be able to use the Share via iCloud feature with iOS 8, OS X Yosemite, and iCloud.com.
Documents you previously shared via iCloud will be accessible to collaborators.
Upgrade to iCloud Drive later
Note that until you upgrade your iCloud account to iCloud Drive, you won’t be able to use the iWork web apps on iCloud.com or the Share via iCloud feature.     If you don’t upgrade to iCloud Drive at this time:
Your documents will keep up to date across devices with iOS 8 and across devices with iOS 7 and Macs with OS X Mavericks or earlier.
You won’t be able to use the iWork web apps on iCloud.com.
You won’t be able to use the Share via iCloud feature.
Documents you previously shared via iCloud won’t be accessible to collaborators until you upgrade to iCloud Drive.

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