I have an older mac and so have not got icloud

My question is if I move to iCloud as prompted by mobileme every other day, what do I lose apart from idisk, gallery and iweb?  I know I should probably upgrade to Lion, but still on Leopard and just don't have the time to backup, get new os'es and do installations.  I have iPad and iPhone and would like to make the move, but not sure if I need to upgrade my macbook first (or will I just not have file syncing)?
Also will itunes match still work on the macbook withour iCloud on the macbook?
Thanks for any input
Jono 

You have posted in the iTunes Match forum. You will get better help by posting in the appropriate Notebooks forums.
But, in short, you can't use iCloud with Leopard. The minimum requirement for using iCloud is OS X 10.7.2 Lion. The minimum requirements are on this page. You can also read about the iCloud features on the product page.

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