I hope it`s useful! Impressive. I didn`t even understand your instructions, but I went to “Contacts”, and that was — it was there — the elusive agreement! Back to your diatribe, if it reset your iPhone but didn`t recover from an iCloud backup (or a backup to a computer), then your personal belongings might have fallen into the wind (including the wallpaper if it wasn`t a stick item that came with the iPhone). Apple (like all companies) wants you to have completely in your ecosystem – having one foot in and one foot out creates chaotic situations. iOS devices are tightly integrated into iCloud, the decision not to use iCloud greatly complicates your life and situation – then maybe you should consider Android (which is tightly integrated into your Google account, there is no path from the cloud now). . . .