I feel your pain. It's curious that for some of us the issue is resolved and other not, even with the same versions and settings. It's especially frustrating that there is no recourse of action we can take as users to mitigate this problem. I would have
been happy to have done some serious under the hood work to resolve this.
There should be some kind of clue that it works consistently for OneDrive for Business but not for Home or Personal. There isn't any way that I'm comfortable using the working "for Business" for data that belongs to me and not my organization's tenant. As
an admin, this was the entire reason I pay out of pocket for this SaaS. I'm under no illusion that anything I store in "for Business" belongs to me. It's not my TB of storage. It's my organization's data. It's an unacceptable trade-off for a feature that is
so integral to our workflows.
I'd love to hear from MS about what fixed this for me but not for others.