Windows 11 File Explorer Directory Structure - WHERE ARE THINGS

SORRY, but I don't care what you say, the directory, folder structure displayed in File Explorer IS A MESS, pretty much unfathomable to navigate.

1. There are a least about a half dozen Documents folders found under folders named: Desktop, Home, a Folder with my name, This PC, Libraries, C: - and even some of the Document's folders have another Documents folder underneath it.
2. And another problem, related to 1) above - I start out in Desktop, find the/a Documents folder, then find a "My TurboTax" folder - and if I click on it, I end up the "Ron - Personal" Cloud folder selected. How/Why did I end up there - I wanted the My TurboTax contents.
3. And another thing - in trying to figure out what is going on, among other things, I clicked on the Downloads folder - and only got 6 downloads displayed under: Earlier this month, Last month and Earlier this year. What is going on there. I KNOW I have had more than 6 downloads this year - and I used to have maybe 100 or more going back, probably to an original Windows installation date. Again, what happened to all of my old Downloads.
4. And speaking of downloads, I just purchased TurboTax 2024 and it was downloaded and when I clicked on the Open, it was installed in an "Individual 2024" folder under Program Files (Program Files being almost impossible to find, but I finally found it under "OS(C:)". Anyway, it seems the I am the only one to find the "Individual 2024" folder. The Windows Search Box in the taskbar can't find it nor can the Search box in File Explorer - so why can't those guys find the "Individual 2024" folder.

OK, those are the crux of my complaints - but overall, my main complaint is the I find it almost impossible to navigate the folder structure as displayed in File Explorer (i.e. my original complaint of a half dozen Documents folders). Or maybe the complaint is the way to get to the "correct" Documents folder - under my non-admin ID (WHICH is another BIG ISSUE with me since I can't seem to create a non-admin ID - but I won't get into that impossible task here).

So in short, can anyone really tell me what the heck is going on with my navigation's problems - and I hate to mention that I know other people have the same complaint, in one way or another.

ron in shawnee