I like everything keep for myself, in my hdd, cause its the best way to keep everything safe,
So, I assume then you must make very regular backups and you always keep those backups offsite, in the event your house is broken into or burns to the ground.
and i know that clouds takes 0 responsibility for what will happen with your files, plus they take over ownership rights to your files,
With things like Skydrive and Dropbox, you have a second copy usually on your PC, so your risk of losing data should be small. As far as file ownership rights go, they vary by service. You do have to decide if it's going to be a problem for your data. For my data, no issues.
and the best place for passwords is my head.
Well, that is all fine and dandy if you have 3 passwords.
I'm ballparking that I have nearly 100 passwords between social sites, web forums, email, banking information, credit cards, logons to various utility sites, software registrations, gamer accounts, etc. All of these passwords are unique...because it's not safe to use the same password on a variety of sites.
Also, my wife has accounts. A while back a coworker of mine lost his spouse (totally unexpected as they are only in their 30's). They didn't have a master record of all of the websites that she was registered on, bills that were paid automatically, school loans, etc. This turned out to be a huge hassle for him to try and gain access to all of these things after her death. Its stuff like this which opens your eyes into making sure that you have a record of these types of things in the event that you ever have to gain access.
In addition, having these things written down makes it much easier to change all of your passwords in the event that your account or password gets compromised. Without written records, you might not even remember that you have an account somewhere.