Joplin looks great, and is open source, but it appears to have one problem: the primary data store is SQLite, not files, and in this AI infected era having plain text files on the local filesystem is really important.

So if I am correct the "cloud drive as the storage" option is syncing with a the local SQLite db and to get local files one would need to be syncing the local db with both the cloud drive and the local filesystem.

With Obsidian I sync from local files direct to a cloud drive.