Decided to cancel my Microsoft 365 subscription
I think OneDrive and Camera Roll are held on Microsofts Cloud, but I have also got copies of all document on the laptop hard drive, and will copy them to USB stick. Photos already on USB.
The photos on Camera Roll are from when I had a real digital camera, before I had a smartphone with a good camera built in. Since I've had the smartphone, my photos, and photo's I've been sent on whatsapp are getting uploaded to Google's cloud. That's another reason not to pay for 365 anymore.