If its too buggy for me, in order to downgrade iOS versions, would I need to restore to factory settings?
Correct, but if you create a backup on iOS 12 you can restore to that if you want to downgrade and keep data from that backup.in order to downgrade iOS versions, would I need to restore to factory settings?
Be sure to create a back up to ios12
Is it possible to make an iCloud backup or does it have to be through iTunes?
You can make iCloud backup, but then you have to be very careful not backing up your device using iCloud from that point on unless you fully commit to use iOS 13.Is it possible to make an iCloud backup or does it have to be through iTunes?