Why do you say you have to pay a monthly fee for iCloud? None of the technology you’re discussing here requires a paid account. You may, separately, decide to

Why do you say you have to pay a monthly fee for iCloud? None of the technology you’re discussing here requires a paid account. You may, separately, decide to sync more than the meager free quota of data on iCloud, but that’s an unrelated issue. You’re welcome to use iCloud just for keychain sync.