Adding info that might help someone in the future get to the bottom of what is causing this:
I use "Obsidian.md" for note taking. I use a third party plugin with the program that syncs my "Vault" directly with OneDrive. There is a built in feature in this plugin that warns you when a sync attempt would replace/remove/edit >50% of all files, the goal of the feature being to avoid syncing an accidental deletion of many files at once. For reference, the saving situation includes a local (non-OneDrive) "Vault" folder that updates in real time as you edit while the sync plugin creates a separate folder in your OneDrive that updates when you manually ask to sync your local files to the cloud files.
When I attempted to sync my Obsidian files to OneDrive after both instances of OneDrive trying to process 40,000+ files, Obsidian warned me that 100% of the files I was trying to sync were different than the ones already saved in OneDrive. Now, my files were unchanged (to my eye) when I did allow the sync and I did not have any problems, but such a warning suggests that when OneDrive is "processing" the 40,000+ changes, it actually is processing ""changes.""
I do not know much at all about technology and have no clue what that could mean on the technical side, but because this thread is full of other comments about this I thought it would be smart to add in info that could help the smarter people figure out what's going on.
Edit: In terms of what worked for me when I encountered this problem twice, I had to unlink and relink my desktop from OneDrive and allow it to go through the motions of syncing all files after I relinked the account.