Wow, where should I start...
#1: Most people to me is "
count up everyone that carries a laptop around that agrees with salty". What percentage have a "must have at least a TB" requirement. It's pretty small, I can assure you.
#2: Cloud storage for $150 per TB? Only to large corporations who are paying for offsite storage and don't care about the cost (or fools who do no research at all). here is 25 GB dfor free, and you can sign up for as many as you want:
https://explore.live.com/windows-live-skydrive
You can also buy one of these:
https://www.newegg.com/Product/Product.aspx?Item=N82E16822148614
And now you have more than enough storage, accessible from anywhere, with no monthly fee.
You could even get one of these:
https://www.newegg.com/Product/Product.aspx?Item=N82E16817810014
and use your old hard drive, accessible from anywhere.
I think you really need to get some experience with Android. It multitasks much better than Windows. you could easily do all that stuff you said (minimize word, chrome, excel, etc). Android pauses the apps that don't need to waste CPU power when they are minimized. So if you minimize word, excel, chrome, and all that, your phone would run just as fast as if you had just booted it up and not opened anything.
So yes, I would put my phone against your computer any day of the week. I'll minimize all the same stuff as you and my phone will still be a lot faster than your computer. In fact, the more stuff you minimize the slower it will get, while my phone will still be blazing along like I hadn't opened anything.
Let me put it to you like this- I have a Google Chrome laptop. It boots up in a few seconds and does everything faster than any Windows or Mac computer I have ever seen. And the entire OS is web based. It's basically what these smartphones of the future will be running when they get put in a laptop dock (not the Atrix, but the next gen after that). I'm pretty sure you've never even seen Google's Chrome OS (it's a private Beta that you have to be selected for by Google) so you have no idea what you're talking about.
If you think Google is getting into this business to lose, you're crazy. Their smartphone OS is now the most popular, even more popular than Symbian. If you don't think their Chrome OS will do to Windows what their smartphone OS did to Windows Mobile, you're crazy. And Google is quite clear, Chrome OS will be what runs when you dock an Android phone in the future.