Hi SMG. I'm Greg, an Independent Advisor.g
Did you try moving the User folders to the locations where you want your files, rather than using all different folders? See how here:
https://www.windowscentral.com/how-move-default...
Also see all other ways Windows 10 offers ransomware protection and recovery:
https://support.microsoft.com/en-us/office/rans...
https://www.theverge.com/2018/4/5/17201660/micr...
https://www.thewindowsclub.com/onedrive-windows... (Avoid ad links which intrude into editorial copy, especially avoid Restoro and Reimage ads)
In addition to cloud storage to get real time changes I would also periodically back up your User folders to an external drive you keep unplugged. This foils ransomware ransom demands.
I hope this helps. Feel free to ask back any questions and I'll be here to help you until it's resolved.
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