Such a mess Microsoft. The problem with all these options is that the file is no longer shared once downloaded. For me, the same file works fine on two laptops running Excel so that I can see changes made to the spreadsheet. Having two unlinked copies on separate laptops risks losing data if two people are making changes.
I was going to try transferring the file to my newest 3rd laptop that has the Office 365 issues. If I then make the location a trusted site, then hopefully I can upload that to another cloud site and share the file with the two older machines. Hoping that will allow all 3 laptops to access the one excel file and still run the macros.
Update: Well, that allowed me to get the macros running on the 3rd laptop and then also when saved to the second OneDrive. However, sharing it to first laptop didn't allow macros to work.