Is the iCloud a backup tool for your computer? How do I get my data back -- off the iCloud?

Is the iCloud a backup tool for your computer? ---- Apple care suggested using iCloud for a backup to my documents. I do not have an iphone, ipad or laptop. Just an iMac. Nothing to share the data with.
Now I am unable to access some of my documents on my computer and saving documents is cumbersome because it always wants to save it in iCloud, not my computer. The documents I am unable to open are my old MS-Word. One is a macro enabled word doc. I am using os x mountain lion.
After over an hour chat with apple care, the issue is not resolved. I did not have more time to resolve the issue today and it will be continued next week. Per apple care, I do not have any documents in the iCloud however I am almost at the free capacity with contacts and documents.
My question is -- If I purchase backup from a clould provider - other than apple, back up my files in documents in their cloud (make sure I can open them) and then delete the link to iCloud. Would I preserve my data? Has anyone tried this? I am open to suggestions.
Thanks,
Phyllis

Is the iCloud a backup tool for your computer? ---- Apple care suggested using iCloud for a backup to my documents.
Not really. You can store "Documents in the Cloud" but this applies only to documents created by Pages, Numbers, Preview, Keynote, and Microsoft Office documents created on your computer stored in iCloud's "iWork". Within that limited purpose, iCloud works very well.
My question is -- If I purchase backup from a clould provider - other than apple, back up my files in documents in their cloud (make sure I can open them) and then delete the link to iCloud. Would I preserve my data?
I'm not quite sure I understand what you mean by "purchase backup from a cloud provider" but if you're considering a service such as Carbonite, I don't advocate any of them. To back up your Mac, use your own backup device - Time Capsule or an external hard disk. It's inexpensive and reliable: two elements essential for a backup strategy, that no subscription service can offer.

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