Regarding point d), specifically around iCloud being a major source of revenue and profits:

[Tim Cook] said iCloud is "not a product, it is a strategy for the next decade."[1]

iPhone and iPad are major sources of revenue for Apple; they are also "products" with a heavy focus to make them "great". iCloud is one of many features that makes Apple products great, but IMHO is not itself a focus for Apple as a revenue generator.

[1] http://www.google.com/hostednews/afp/article/ALeqM5hOAZb_nCI...