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I'd be happy if those apps were asking to save to Documents like in the screenshot. But alas, reality is much more cruel. They always want to save to some vague OneDrive location, and won't even show you the local file browser without extra steps.
If yOU dOn'T uSe oNEdrIvE iT is IMpOssiBle to AuTO sAve! The technology just doesn't exist to save on a timer without involving the cloud!
F12
Documents, Desktop and Picture folders are just moved from the user folder into the user folder\OneDrive folder.
Other than that it work exactly the same.
OneDrive also always has a local folder. Usually in your user folder.
You can blame a lot on OneDrive, but this isn't one of them.
I don't want any of my files uploaded to OneDrive; therefore I don't want to save them in the OneDrive folder. I have other folders where I'd like to save my files instead.
So the behaviour I described is a persistent annoyance for me; despite you telling me it isn't a problem.
I don't mind OneDrive sync, I like it honestly.
What I absolutely do not want, is my Desktop on One Drive. For starters, its often a scratch place. I don't want it instantly pushing 6GB of photos I just pulled off my camera's memory card to the cloud before I can sorr them.
You see, I have OneDrive disabled and set to not sync.
It still wants me to save to a OneDrive directory, simply because I'm signed into my Microsoft account.