@CiaraNi
> Now I’m committing myself to just get the photos off OneDrive and on to my computer, that I own, in my house
I've heard a thought that information which exists in just one copy can be considered unimportant. One copy can become no copies very quickly, so important things should be backed up, ideally in geographically separate locations.
I'd suggest to take a look at Hetzner StorageBox (just backup service) or StorageShare (managed Nextcloud, where you get your own storage, online photo album, contact sync, documents, etc).