Thanks for responding.
I think our different interpretations might stem from a change in functionality. Take a look at https://support.apple.com/en-us/HT212523
If I turn off "Access iCloud Data on the Web, and log into iCloud via the web, I can't see any of the files. All I see is a message that says "You Turned Off iCloud Data Web Access. To access data on iCloud.com, you’ll need to turn on web access in iCloud settings on your device.
While true, this is en entirely different setting than the checkboxes for Pages and Numbers that previously (before they were removed from macOS) enabled or disabled the iCloud interface in the open/save dialog in these apps, which had nothing at all to do with web availability.