It has to be decrypted for you to use it stupid... Ffs they literally call it out in the line "No one else can access your end-to-end encrypted data, not even Apple, and this data remains secure even in the case of a data breach in the cloud.". To apple end to end encryption is keeping the data entirely encrypted up until it hits your device where you use it... I could go on about how you misunderstand the tech but you're better off just actually looking into how they implement it because they account for your concerns.