My setup (Win10 environment, Android phone)
MS Account for OS log-on. One Drive active, nothing stored in local Document folders at all. Seamless background transfer between the desktop and laptop. One Drive App on the phone and iPad too. Photos/pictures sync OFF.
Microsoft email account used for very official chores, and airline tickets.
Gmail account for personal use, family and friends. Google Photos service for all image related tasks, app on the iPad.