I don't use Onedrive at all. I haven't turned it off, I just never depend on what MS stashes in their cloud. I keep all data I'm the least bit concerned about on my NAS, which is backed up regularly.
I used to use Powertoys years ago but don't now, at least not to my knowledge...
I'd never heard of tabs in File Explorer.

Hmm. Well, if I get the idea I need it or really want it maybe I'll install Win11. However, I'd want some insurance I won't regret don't the "upgrade." Sending data to people? I occasionally say OK, usually just say no, it's just more stuff going on, more bandwidth used.