Help with Photos organizing one step at a time Win10

I don't expect to resolve my problem quickly, Id be very satisfied if I could simply step by step slowly improve the way I can organize Photos.
My problem: I have windows 10 and use "Photos" and "One Drive" I understand there is something called a cloud for storage but it seems they charge a fee so I hope not to need it for now, maybe in the future.
I have imported most pictures from my camera & san disk and a reader. It seems the pictures mostly if not all went to "Photos" and also to "One Drive" I also import some pics I receive from E mails, and some imported by scanning.
I never know where the pictures will end up. In One drive, some of the pics show up in folders, so I must somehow organize these folders Also in One Drive some pics show up in Documents?? and some pics in One Drive show up in Download
and of course also in pictures.
1. I haven't found a manual basic enough to help me start to sort this out
2. Besides giving up working with a PC, can anyone give me other advice on the first step to begin getting a handle on this..mind you I'm not expecting to resolve, I just need to get a start.

Now I am 82, and I didn't use to be stupid, but it seems I have slowed a bit .

Look at Settings in the Photo app from where you can see and set the folders the Photo app is monitoring to display photos. I prefer to import photos just by navigating to the folder on the card storing the photos and then copying the photos to a folder of my choice under My Pictures. The photos should then appear in the Photos app if your folder is set to be monitored.

I would only use the cloud (Onedrive) for backing up important photos and ones you want to share otherwise you will soon run out of free storage or it will be expensive to pay for. Note Microsoft is in the process of reducing free OneDrive storage to only 5GB.