My iteration of W10 seems to have gone, following a few updates, from defaulting my files to "This Computer", to instead, sending them to "One Drive".
I still have "enough of my marbles" to say "I don't want no steenkin' One Drive", & make sure the important ones are stored locally, but plenty of older people have lost a few of theirs, & many young people never had any "marbles".
For most things that you need the 'Net to do, it probably doesn't matter, although the thought of my "Online Banking" details being on the "Cloud" is a bit worrying.
If you've lost Internet access for a while, some stuff can normally be done offline, but if all your files rely on an intact Internet connection, you are out of luck.
I'm not supposing that Microsoft will suddenly "turn up their toes" & disappear, but there is, on their previous form, the likelihood that "One drive" will change to a subscription service, so they "can hold my files to ransom"!