For me it's OneDrive. I wouldn't trust it with a grocery list, but I do work for people that use it and there's no way I'd be able to connect to a share with an unofficial OneDrive app.
Microsoft has so many little hooks that's it's really hard to drop Windows if you work for / with anyone that uses anything in the MS365 ecosystem.
Maybe it's an issue with my set up, but they are shockingly bad in a way that makes them feel like they were hacked together. They lack basic functionality like scroll wheel click on any navigation buttons. They are constantly slow in opening. All while missing basic considerations like "Back" isn't separated by tab, so opening a new tab and navigating to a folder makes my "Home" the previous folder for all tabs on that window.
Again, maybe it's my set up, but going back to dolphin I am shocked they get away with something so half-baked.
I also don't like the backup situation. I really like doing (incremental) full-disk backups due to ease of restore in case of emergencies. But I think ZFS-on-root will scratch that itch.