I dont use it. Fortunately. Microsoft have a major outage for some hours already with cloud services in several countries down, and many major banks, TV channels, airlines and computers across the world. Cash machines, supermarket tills, petrol stations, etc and computers shutting down, and for those using legal software many of these dont work across the world as they go online to check if they are registered/activated etc. And many anti virus programs across the world hang, and cause blue screens aparently! I dont have anti virus either.
Fortunately non of that affects me. As all my software isnt strictly legit, and I wouldnt use the cloud if you paid me. The cloud and online services as well as digital money isnt reliable. Use cash, keep all your own data on your own drives, and dont register for anything that you depend on online.
Check TV news if its working where you are! See what isnt working. The cloud... Someone elses computer.
Added. Most of the trains are now not running in UK either. Great this cloud lark.