Just a heads up here:
iCloud / OneDrive / Google Drive / DropBox are not a backup solution despite the vendors promoting it.
They are there only for convenience.
I have experienced file loss on OneDrive. I am now using iCloud and have had no file loss whatsoever. I regularly diff my offline backup with iCloud Drive contents mirrored to my mac.
Also to note: About 50% of the stories you hear are users being morons. My sister lost some files. She deleted them after fat fingering something and blamed the cloud vendor (Google). It happens.
Make sure you back up stuff separately and fully offline. You’re just as fucked if someone rips off your account.