re: Does icloud backup take care of everything?

I don't know if this will help you, but I use iCloud backup just for my contacts and calendars and maybe some things that I need if my phone went down. I make it a point to do a hard copy backup to a computer fairly often because of the horror stories I hear about people losing everything.

Before getting a new device I also make a hard copy backup right before so in case of emergency I can restore everything to the new device. It gives me some piece of mind, but I haven't had to use it yet.