You have to do something stupid in order to break it in the described manner.
Is that "stupid" from the standpoint of a tech-savvy user like you, or "stupid" from the perspective of an unsophisticated user who doesn't necessarily understand that he doesn't know what he's doing?
I don't use Windows, so I don't have any experience with OneDrive and I hope I never do. But given the problem descriptions I've read in several comments here - made by people who clearly aren't techno-peasants - I'm inclined to think that OneDrive's behaviour may at least be flaky. It may also behave differently on different systems an/or different versions or flavours of Windows. And maybe the UI and/or instructions aren't very good.
What I'm reading in these comments suggests that OneDrive may be a significant problem even for people who are nominally doing everything correctly. Even if that's not the case, it shouldn't be easy to trash your data while attempting to disable a feature that you don't want and didn't ask for.
Also, it's a total dick-move on Microsoft's part to keep stealthily re-enabling it when updates occur; that alone should make people wary. Windows and OneDrive may work well for some people - for now. Just remember that Microsoft isn't anyone's friend, and "altering the deal" is one of their favourite activities. They ARE mining users' data and files, so they WILL make it difficult for people to stop them from doing that.