Yeah, turning on OneDrive backup does mess things up a bit in terms of file locations. Once you click to allow backups, then your Desktop, Documents, Pictures folders all get remapped to a new path, ie: C:\Users\joshm\OneDrive\Documents. I don’t know if that’s reversible if you later disable OneDrive backup.
I’ll admit, I do pay for a 365 Family subscription. Even if you don’t care about Office, getting 1TB of cloud drive for each family member (up to 6 accounts ie: 6TB) is the best cloud deal in the industry. I usually can get it for $70 year. Conversely, something like Dropbox is $200/year for 2TB shared among all family members, so far less storage. iCloud is $120 for a 2TB shared family plan. Google is $99/year for 2TB or $250/year for 5TB.
OneDrive does also make it stupid easy to reinstall your PC or move to a new computer. Getting all your docs/desktop stuff and pictures as well as anything else you slap in OneDrive, alongside other conveniences such as modular Steam libraries you can leave on a data drive, and browser sync, makes PC migration easy.
I do feel a bit dirty for using it, but it works well. I don’t have to worry about the rest of the fam and their backups since everyone always saves in Docs or the Desktop anyway.