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The way iCloud Desktop works is that it uploads your stuff to the cloud, using your iCloud Storage quota.

The way that OneDrive works is that it uploads stuff to OneDrive, using your Microsoft 365 storage quota.

Is the "Desktop & Documents Folders" sync option in iCloud on by default? I've never used that feature, and it's a bit buried so it's hard to enable accidentally, but I haven't set up a new Mac from scratch in a long time so I don't know if it is a trap for new users the way OneDrive is.

It is on by default as of the last time I went through new Mac user setup, which was during....Sequoia, I think.

It isn’t until you explicitly log in to your appleID and choose to do it during setup. It is very clearly laid out. Onedrive bills itself as essential to windows’s functionality.

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