My main PC has an SSD main drive and a spinner data drive and I have no issues. It is not related.
Did you execute the latest OneDrive setup file under
C:\Users\xxxxxxxxxxxx\AppData\Local\Microsoft\OneDrive
The latest one on my PC is 18.151.0729.0006 and not the 131 stream.
In the latest subdirectory Windows created in the OneDrive folder I found the exe file you reference. (The older 131 file is in several other older subfolders, too). Rather than doing a completed uninstall/reinstall I executed the 151 file and, so far (24 hours), so good. I'll update in a few days. Thanks for your suggestion.