Hi,
I'm Rodrigo and I'll help you.
The OneDrive folder you see on File Explorer, shows the files stored on the OneDrive folder (locally) and on the cloud. Before disabling the backup feature and restoring your folder locations, make sure all your files are stored locally.
Right-click the OneDrive icon on the right side of the taskbar (cloud icon) > Settings > Sync and Backup > Manage Backup > Advanced settings > Download all files. This will ensure all your OneDrive files are stored locally.
On this same Sync and Backup menu, go to Manage Backup and turn off all options. This will restore your user folders to the default locations, you may miss the files from the locations you turned off, but they are stored in the OneDrive folder on C:\Users(Your User Name)\OneDrive. You can move the files from folders under the OneDrive folder for the locations you want. These files are on your computer, but if you move/remove them from this folder, your cloud storage will sync and remove them.