Just uninstall OneDrive and change Word/Excel settings to always put everything in local documents folder.
I have done that on all PCs here, and don't miss OneDrive at all. The cloud storage is still there if I need to use it for sharing large files, etc.
This is hardly a solution. It's not even a workaround unless you have no cloud plans at all.
OneDrive is (well, was) quite an elegant cloud solution until MS got all control freak and decided to make it try to do %*^$# everything. Doesn't seem to be possible to set it to just be there for you to save stuff to at your own discretion - the moment it's there, it wants control over your home folders, your "save" location, everything.
Damn annoying. But removing it leaves you with only the web interface, which is clunky at best and fails when you try to do bulk up- or downloads so you have to do them in small quantities. And it creates ZIP files for downloads which is extra time-consuming and a complete waste when you are moving JPGs.