OneDrive installs with Windows, or you can install it if it's somehow been previously uninstalled. There aren't "about a dozen ways" it gets there.
When you install Windows with a MS account, OneDrive grabs the Desktop, Documents and Pictures folders and you can't simply move them where you want them.
- Open OneDrive using the system tray icon.
- Click the gear icon and choose Settings.
- Under "Sync and Backup" turn off everything you can find that can be turned off.
- Under Account, choose "Unlink this PC."
- Accept the warning.
- Click on the system tray icon and choose Quit OneDrive.
After unlinking the PC, you will find that Desktop, Documents, and Pictures are no longer shown as being inside the OneDrive folder. This is the key that unlocks the dungeon door...
The "Location" tab in the Desktop, Documents and Pictures folder properties will now function as expected, and you can move them to wherever you prefer. (I put the Documents and Pictures folders on separate drives from the system drive. How you arrange things is up to you.)
Once you have things the way you want them, restart the system.
Open OneDrive and relink the PC. OneDrive will now be its own folder, although you will find it has a "Docs_OneDrive" folder and a Pictures folder that will try very hard to be your friend, but