OneDrive experiences (with crypt)?

Since OneDrive (well, Office 365 Home) 5TB (5 user@1TB) subscriptions are on BF sale today for $60/yr ($30/yr if us-military/vet), I’m curious about people’s experience with it recently using rclone. I’ve read through various posts (the filename stuff is annoying, but I’ll use encryption), but if anyone has additional comments about their experiences with it (and things to consider), I’d love to hear. Normally I use rclone with B2, GCS, and GDrive.