If you’re determined to use iCloud on Windows, watch out for file problems.
There is this alleged solution to the iCloud on Windows problem which I’d love to see confirmed or disproven: https://forum.obsidian.md/t/sync-ios-and-windows-10-without-subscription/56776/14?u=cawlinteffid (The explanation sounded plausible to me at first but on reflection I’d think that iCloud would be syncing the config folder anyway, so I don’t know why it would help. But if it does help, that would be great.)