"My local repair man thinks cloud is the dog’s b*."
I agree with him. I use Office 365 (Best thing since sliced bread) and OneDrive. I don't put everything on OneDrive, just my work files, and this is managed via my local backup software - I specify the folders to monitor, and the software backs up the changes to my OneDrive space every fifteen minutes. It all works flawlessly.
I have the reassurance of knowing that my work is backed up in one of the safest locations there is, and is accessible to me from any computer on the planet, or even from my phone.
I love the Windows 10 Timeline feature - I can currently access any file I worked on between April 12th and last night with a single mouse click - no drilling down through folder hierarchies. In my view it is one of the best features to arrive in a long time.
As with all things, it's horses for courses. the average home user may have little interest in Cloud storage (at least as far as documents are concerned) or timelines. I have little interest in anything related to gaming.
We're all different, but from the terrabytes of feedback it gets, Microsoft knows the sizes of the parts of its userbase who want this or that facility and it caters to them accordingly.