That user account can be setup to access anything Microsoft. Microsoft cloud means Onedrive which is a storage area in the cloud that can be shared. One advantage of using a MS account is if you did an upgrade to Windows 10 and added different hardware your hardware changes are stored under your MS account and makes it easier if you have to reinstall Windows 10. It also can sync favorites and screen backgrounds if you get a new computer. You mentioned Microsoft Cloud and I stated it's called Onedrive. You can share pictures and file on your phone, tablet or another PC if you store those files on Onedrive,