Fully agree.

The problem is that on a fresh system with a free MS account, OneDrive shows up as the first choice as “$User - Personal files”. No notice that this actually only stores it online and offers only a fraction of the 1TB local drive.

Truly deceptive and my mistake for not noticing when I helped to set up that laptop.

Don't feel bad. Even if you noticed, It is likely that during the next "security" update, one drive would be re-enabled, as the default - and possibly everything moved there.