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I use Microsoft's OneDrive free account to keep Joplin synced between devices.

Works like a charm. Currently using 0.7GB out of 5GB.

Same here! And you can encrypt the sync so you know Microsoft cannot get access to your personal information.

And how would you decrypt on mobile while allowing to edit the files?

Cryptomator works well as long as your on a desktop platform, but when you move to a smartphone they provide only their crippled file-manager which is not accessible form third party apps.

Joplin has built-in encryption, which works just fine on desktop and mobile, with shared passphrase between them

OneDrive sometimes mark encrypted files as suspicious and makes sync problematic.

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