Comment by CWuestefeld

My experience is exactly the same. I use OneDrive for easy replication of lots of stuff between my own devices, and to transfer files to friends. I've never had a lost-data problem.

On the other hand, UX for doing that sharing is clunky.

And I believe it's pretty well documented that the reason for the File-Save experience being so awful is that Microsoft is actively trying to deter us from using our own local storage, and coercing us to use their (subscription) cloud products.