I don't know if it's just me, but it seems like every time I go to save or open something on my iPad it defaults to iCloud. I don't have a paid iCloud account and find this supremely annoying, especially because the default folder names inside iCloud are the same as in local folders. It's as if they're trying to cause people to accidentally save stuff to iCloud, to get them in the habit of using it (and then paying for it).