What ' s a difference between an iPhone backup to iCloud and an iPhone backup...

Apple distinguishes iCloud backups from computer backups by what they contain and where they are stored. An iCloud backup contains information and settings on the device that are not already synchronized to iCloud. For example, information already maintained through services such as iCloud Photos, Contacts, or other enabled iCloud synchronization services generally does not need to be duplicated in the iCloud backup. A backup created on a Mac or PC contains almost all of the device’s locally stored data and settings, although Apple lists specific exclusions such as Face ID or Touch ID settings and Apple Pay information. Encrypted computer backups can additionally preserve sensitive information such as Health, Activity, and Keychain data. Therefore, option D most accurately states the difference between the two backup methods.

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