The actual problem here isn’t cloud, but the fact that Microsoft Office’s ‘save’ UI/UX is such a shitshow, it’s completely unintuitive as to where a document is being saved. We have a massive problem with this at work, because people frequently accidentally save stuff to OneDrive, rather than on their local PCs, and then completely lose the document.
None, because I’m a developer of a self-hosted project. So I figure I contribute enough…😁