Thankfully I noticed what was going on before it got to that point, but when they start vacuuming up all your files and data like that without telling you and without giving you control over it, you kind of have to assume that whatever is going on is not being done for your benefit.
I mean specifically a cloud storage account. Setting up the computer required me to supply an email address and set a password for microsoft.com. There was nothing in that process that I recall mentioning OneDrive, or that would have suggested every file on my C drive was about to be indiscriminately uploaded to a Microsoft server somewhere. I didn’t even know OneDrive was a thing until I had to google how to stop it.