Do I have two Microsoft account or one and are they completely separate

There are two separate things to clarify: whether there are one or two Microsoft accounts, and whether they can be merged or are linked in a way that risks data loss.

1. Whether there are one or two Microsoft accounts

Based on the description (two different sign-in email addresses, two separate Microsoft 365 subscriptions billed at different times, and different OneDrive storage usage for each), this matches the scenario of having two distinct Microsoft accounts, not just aliases on a single account.

Microsoft explicitly states that:

• Personal Microsoft accounts cannot be linked, merged, or combined, and data (purchases, OneDrive, game progress, etc.) cannot be transferred between them.
• Accounts can only be used side by side.

“It's not possible to link, merge, or combine Microsoft personal accounts, and you can't transfer such things as your game progress or gamertag, account purchases, and balance from one account to another, but accounts can be used side by side.”

This aligns with what is being seen: two subscriptions, two OneDrive storages, two sign-ins.

2. About Gmail vs Sympatico as sign-in and aliases

From the context:

• A Microsoft account can have multiple aliases (email addresses) that all sign in to the same underlying account.
• An alias can be any supported email address (including Gmail) and can be made the primary alias.
• What is not allowed is adding another existing Microsoft account as an alias; but a Gmail address itself can be an alias.

“You cannot add another Microsoft account (either current or closed) as an account alias, but you can add another Microsoft, Gmail, or work/school email to Outlook.”

And for renaming/primary alias:

“To rename your personal account you can either create a new email address (alias) or set an existing email address to be your primary alias.”

So a Gmail address can be used as the primary sign-in alias for a Microsoft account. The restriction is about merging accounts, not about using Gmail as the primary sign-in email.

3. Risk when the Sympatico email is closed

The key risk is only if both of these are true for the Sympatico address:

• It is still an alias on the same Microsoft account that is used with Gmail, and
• It is the only way to sign in (i.e., no other aliases like Gmail are attached to that same account).

However, the description shows:

• One account signs in with Sympatico and has its own OneDrive usage and subscription.
• Another account signs in with Gmail and has different OneDrive usage and a separate subscription.

This matches the pattern where the Gmail address is not just an alias on the Sympatico-based account, but is instead its own separate Microsoft account. In that case:

• Closing the Sympatico email at the email provider does not delete the Microsoft account that uses that address as its username.
• The Sympatico-based Microsoft account will continue to exist and can still be signed into using that address as the username (even if the mailbox at the ISP no longer exists), unless the Microsoft account itself is explicitly closed.
• The Gmail-based Microsoft account and its OneDrive data are independent and will not be deleted when the Sympatico mailbox is closed by the ISP.

4. How to confirm the two accounts are completely separate

To confirm separation, the check is:

• Sign in at https://account.live.com (or any Microsoft account portal) using the Sympatico email.
  • Go to the account / profile / sign-in preferences area.
  • Look at the list of aliases or sign-in email addresses.
  • If the Gmail address appears there as an alias, then Gmail is just another sign-in for that same account.
  • If the Gmail address does not appear there, then this Sympatico-based account is separate.
• Sign out, then sign in again using the Gmail email.
  • Go to the same sign-in preferences / aliases area.
  • Check whether the Sympatico address appears as an alias.
  • If it does not, then the Gmail-based account is separate.

Given the context and the fact that there are two independent subscriptions and two independent OneDrive storages, this is the expected outcome: two separate Microsoft accounts.

5. What cannot be done (merging) and what can be done

From the official guidance:

• It is not possible to merge the two Microsoft personal accounts or combine their OneDrive storage, purchases, or subscriptions.
• Data must remain separate; files can only be manually copied between accounts (for example, by signing into both OneDrive accounts and copying files between them).

“It's not possible to link, merge, or combine Microsoft personal accounts… but accounts can be used side by side.”

If only one subscription is desired going forward, the supported pattern (from similar Q&A in the context) is:

• Decide which account to keep the subscription on.
• Cancel the other subscription from that account’s Subscriptions page; cancelling a subscription does not delete the Microsoft account itself.

“Canceling subscription doesn't remove your Microsoft account. Your account still stands.”

Summary:

• The described situation matches having two fully separate Microsoft accounts: one with Sympatico, one with Gmail.
• A Gmail address can be used as the primary sign-in email for a Microsoft account; the limitation is on merging accounts, not on using Gmail.
• Closing the Sympatico email service at the ISP will not automatically delete either Microsoft account or its OneDrive data.
• To confirm separation, check the alias/sign-in preferences for each account and verify that the other email address is not listed as an alias.
• The two accounts cannot be merged; they can only be used side by side, and subscriptions can be managed independently.

References:

• Combining Microsoft accounts
• Which account do you want to use?
• How to add or remove an account in Microsoft OneDrive
• I realize I have 2 different accounts. How do I combine the 2? - Microsoft Q&A
• I am paying for two subscriptions - Microsoft Q&A