In 2003 I could have made a living selling subscriptions to 5-GB cloud storage that was tightly integrated into Windows.
I understand why Windows is trying to capture you into it's cloud ecosystem. Just saying that between M$, Apple, and Google you can do some robust backups, basically for free. And if you're worried about privacy, just encrypt.
I actually don't hate onedrive that much. I've used it for a while now and it's one of the best ways to just share a folder with some people very easily. And they can even use the desktop app and you can all have a cloud synced folder, it's really convenient for collaborating on projects. I know other things can do this, but few do it as seamlessly.
That said I'm trying pretty hard to ditch it because I hate how Microsoft are just making it the default behaviour without really making it apparent that all your documents just get uploaded to their servers. I hope proton drive gets the features I need soon,.
Encrypt your files before upload them to OneDrive this way you use Microsoft servers and your files cannot be accessed by them to train AI and sell your personal data
Then don't use MS Office?
Have to for school. But you can also just press F12 to open the normal save dialog. (I put my school stuff in one drive anyway, I just want them in folders so I need the normal saving system.)