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Welcome.

As for iCloud over One Drive there are + and - on both sides

One Drive seems to be more for Storage - much like an External Drive.

Wherein iCloud has many feature native to macOS

Set up iCloud on all your devices

How iCloud keeps information up to date across all your devices

For extra Capacity on iCloud >> What is iCloud+?

About the OneDrive compatibility warning on Mac

My experience is iCloud Drive on Windows is far better than OneDrive on a Mac. You'll find both sides of the issue here, but on our one leftover Dell XPS 8900 we have iCloud.