Why do Word & PowerPoint crash seconds after opening any file?

Is Pages also crashing, as the EtreCheck report seems to indicate? If so it would be reason enough to contact Apple to determine if it's something they can fix.

You could contact Microsoft, but they will almost certainly blame Apple since that's what they do. Conversely, Apple won't be able to help with Microsoft products, but if Pages is also crashing, it puts the ball in their court.

My initial suspicion was that Microsoft is attempting to save temporary files in a prohibited location. See if there is a setting for that in Word.

Pages crashed also. Oddly, there does not seem to be a crash report for MS PowerPoint or Word. It may have something to do with OneDrive, or perhaps something else is going on.

Please determine if the same problems occur in "Safe Mode": How to use safe mode on your Mac - Apple Support.

Perhaps MS Word / Powerpoint are attempting to save to Microsoft's "OneDrive"?

I'm speculating here. You would almost certainly be better off asking Microsoft, or posting your question in a Microsoft product support forum.

Those two locations ought to be ok. You might want to confirm they actually exist, by navigating on your own using the Finder's Go menu > Go To Folder

For example, Go > Library will open your User Library. Open that folder and determine if the User templates and AutoRecovery folders are actually present.