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I only pay $0.99/month for 50GB of iCloud storage. It is worth the convenience of having my photos and other data available on all my iThingies and Macs, and having them all backed up without having to mess with using a Mac.
Too late now, but the free 5GB iCloud plan is probably enough to do a backup of an iPhone OTA. I would NEVER trust clerks at any store, even an Apple Store, to set up my new iPhone. I always make a backup just prior to setting up the new phone.
The good thing about iCloud backups is that you can set it to automatically make backups of your iPhone when the same is being charged. If you ever lose, damage, or suddenly trade in your iPhone you will have a fairly recent backup.
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