I didn't have the win10 notifications on to show private vault timeout messages. So having that on helps to at least be notified 5 min before it times out as I painstakingly upload all the data. Before I was having to reactivate with 2fa every single time and pick up hopefully not losing data.
It's ironic that Onedrive from the beginning was advertised as inherently safe and encrypted. Yet we now have a private vault with 2fa to basically confirm Onedrive is not safe, secure, and encrypted. So at least now I am more willing to upload sensitive data for a safe backup.