Hi @Bill H
Thank you for reaching out to Microsoft Q&A forum.
Based on the information you described, I understand that you are facing storage limitations on your Mac Mini M4 due to the way macOS File Provider forces OneDrive data to reside on the internal drive. You want to know if OneDrive settings are unique to each macOS user account so that you can create a secondary account on an external drive to offload the full data download.
Based on my research, here are the details regarding how OneDrive handles preferences on macOS:
OneDrive preference settings on macOS are stored separately for each user account, rather than globally for the app. They are typically located in the user's library, such as: ~/Library/Group Containers/UBF8T346G9.
This means that each macOS user account maintains a completely independent OneDrive configuration.
Your proposed setup with a second user account (home on external drive, full local sync) should work without affecting the preferences or behavior in your main account (internal drive, on-demand downloads). Note that you'll need to sign in to the same Microsoft account on both macOS users to access the same OneDrive content, but the local sync handling will remain isolated per user.
I hope this information helps.
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