Saving to Hard Drive.   What I do...

1) when you want to save a document, always use "save as", not "save", at least for the first time you save that particular document. Using just "save" is going to take you to the default selection, which is most likely One Drive, which is what you don't want.

2) When you click "Save As", then select "Browse".  That will bring up a window.  In that window, select "Documents". If you have folders in Documents, select the folder that you want to save your document to. Then click "Save".

3) You should look at the "Documents" folder in your hard drive.  Be sure you have folders in your Documents that meets your organizational needs. IF not, you should create folders inside your Documents folder.  Do this by right clicking and selecting "new folder", then rename it.

4) I have a yellow folder in the toolbar at the bottom of my screen. I click on it, and it brings up File Explorer on my hard drive. From there I can see "Documents". If I click on it, then I can see the folders inside my "Documents".

I hope this is helpful for you.

P.S. I don't know if I would delete One Drive, at least for now. If Microsoft took files from your computer and saved them to One Drive, you may lose access to them if you delete One Drive. For now, I would make sure I use the "Save As" process above, and save to my hard drive. 

As someone else mentioned above, what cloud storage does is to allow you to access the same document from multiple computers.  Whether you want have that option... that is a personal choice.  I tend to think like you... I want my documents stored on my hard drive, not in some cloud storage. That is my preference.