@AbC1428a8036907 Please load Sims 4 and find the full file path to the folder the game is reading, as described here:
https://sims4.crinrict.com/eng/2018/07/how-to-find-your-user-folder/
List it for me here. You can write [username] instead of your actual username, if you prefer, but please leave the rest of the file path intact, and let me know if the username you see is NOT the one you use to sign into Windows.
Please also list the full file path to your Documents directory. Open a File Explorer window, right-click on Documents in the left panel, select Properties > Location, and you'll see the file path.
As for how other people manage OneDrive, many of us shut it down as soon as we installed Windows, or we didn't sign in with a Microsoft account at all, which gives OneDrive nothing to link to in the first place. Other people do pay for extra storage, and some have little enough in their Documents folders that OneDrive can sync everything without running out of space. But the real solution is to keep OneDrive from automatically syncing your data, especially when your computer has enough space to store everything. Microsoft doesn't do this by default for its own reasons, and I would guess the main reason is it wants people to get used to storing data online and paying for that privilege. But if you don't have to, you shouldn't be guided to that option by these default settings.