Sincerely wondering what the point is in this 'upgrade'?

My trackpad is trashed (I know I can buy a new one) and I don't own an iPod, iPhone or iPad and have no plans to buy any in the foreseeable future although we wll probably be purchasing 2 more computers in the next year. I'm not real happy about the loss in services between Mobile Me and iCloud. Some of the features advertised with Lion look pretty cool but after reading all over the net the last 2 days I am becoming pretty ambivalent about doing the upgrade. It seems like it caters solely to those that have all the gadgets?
I my Mac, but I am not a computer whiz, programmer, etc. I don't know or care about codes and all that stuff. I went with Apple because I wanted a secure, simple, streamlined interface that allowed me to do the things I love and need to do. I bought at Tiger and just updated to Snow Leopard this winter. I've been very happy with it.
It just seems like the trade off isn't very good... losing a lot of function for a few bells and whistles? What do you actually gain with Lion? I don't want to have to piecemeal my computer experience and I kind of resent Apple forcing my hand. I understand that the world turns and I will have to decide about Lion and iCloud soon and am hoping that in my computer naivete that there is something I am missing? That it really isn't as bad as it seems?
What are the real changes going to be? Like iDisk. I don't even know what it does or how it works, I just know it works and my stuff is where I want it, when I want it. The loss of iWeb makes my head spin. And practically speaking, how is Lion/iCloud going to change iWork and iLife?
Please don't read any snarky into this, there is none. I'm just a regular person wanting to make a good decision while I've got the chance. I do appreciate any and all wisdom and/or technical tips you have to offer!
Just sign me, Eyes Glazed Over & Head Pounding

Thanks for responding Linc & Ana. I appreciate your time.
But just a few (more) questions...
Isn't iOS for the gadgets? Not trying to provoke or argue, just wondering how that enhances my Mac experience? And wondering still... For me, it seems that the only reason there is to 'upgrade' to Lion is to get the free iCloud service. But what is there about iCloud that would make one feel like it was worth the change? I know this is the Lion board but it seems that the two go hand in hand at this point.
The truth is, I would gladly continue to pay the $100 a year for the services I require and would prefer to do so for piece of mind.

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