When Windows users suddenly discover that their files have vanished from their desktops after interacting with OneDrive, the issue often stems from how Microsoft’s cloud service integrates with the operating system. The automatic, near-invisible shift to cloud-based storage has triggered strong reactions from users who find the feature unintuitive and, in some cases, destructive to their local files.
If you self host, go Joplin. I was unimpressed with obsidian’s ability to use the same notebook in multiple systems easily, and Joplin lets me easily sync my notebook between systems using a docker container I host as the sync server.