If you have the option to sync documents folder with onedrive, its the same one.

If you don’t, I’m assuming the autosave with cloud enabled will save it in a different documents folder inside onedrive folder. This onedrive folder is by default in your user folder, but you should have quick access to it in the list of folder on the left of the explorer window, or by double clicking on the onedrive icon in the taskbar.

The only time it can be tricky to locate these files is when the app closes unexpectedly (for whatever reason), and you have to try to locate the .tmp file in the appdata.

Otherwise, the only chance your file is somewhere else is if you edit an existing file or if you save it in another location by mistake. This is easily solved by checking the latest saved files.

It’s not as tricky as you’re trying to make it out to be