You can't lose files with the reset I suggested. I answered your reply to my iCloud post, because I had chosen the wrong terms. I'll repeat: in Restriction - Accounts, check mark "Allow Changes".
Great -thanks JA. Icloud is now working in settings!!
If you don't think there is much of a risk I will try reset and see what's happens.... Fingers crossed.
I'm now feeling more positive about the Forum because it has already solved one of my problems. . Thanks