Otherwise, just save your docs in your normal user directory.
I thought the implication of "disabling" OneDrive was exactly that. This guy doesn't want to use it at all and it keeps throwing errors anyway. But I don't use Windows and never touched OneDrive when I did so I could be wrong.
It just... sounds a lot like Microsoft is all, so a lot of people relate to it. It's not just Microsoft of course, it's any enshittified tech company that's been around too long - they have too many mouths to feed and require a constant ever-increasing stream of Number Go Up which leads to shit behavior like this. It's designed to hassle users into using their subscription services whether they like it or not.
I was just with some out of town friends this weekend and telling them how I don't use any cloud services at all and they were just stunned "how do you do your pictures then? We have to pay for extra space!!" and I'm like "I... back things up in 3 places manually once or twice a year?" It didn't compute. People are largely captured, this shit behavior works and that's why they do it.