Until I moved to DT I didn’t really have anything on my Mac. My employers use gDrive and OneDrive (I have two employers), I used several apps that had their own cloud services, I kept a few things on Dropbox and I have an iCloud subscription for anything else. I also kept a lot of my notes in actual notebooks. I didn’t really store anything locally as there was no need. Even my desktop syncs to my iCloud.
One of my reasons for moving to DT was that I was getting a bit fed up of having to rummage across all these services and remember where I saved stuff (as I do similar jobs for both employers, this can be especially maddening if I can’t remember what task I was doing when I interacted with a file). The downside of this was that I’m deliberately pulling files back on to a local drive. At first I ignored the downside, but people mention backups on here quite a lot so I thought I’d best put a system in place just in case!