Understand! Source control in general is a bit of a pain to learn if you’d never worked with it before, but it does have a visual client that makes it far easier to work with. All source control that handles massive amounts of data will have a cost due to being able to store 100gbs+ always requires server space.
I personally use Git, Github Desktop, Git Large File Storage, and Github as once you have the basics down spinning up a repo is quick and easy. When I was in your position, I used to use sub repos to handle large projects, but this isn’t industry standard or optimal. Basically had a Gitignore on the main project that ignored content, and had a Gitignore on the second repo that ignored everything but large files. This allowed me to constantly push tiny code changes to the main one and that project stayed small, and large content changes to the sub. This get’s messy later when you have to merge it all though.
Perforce has the most integration for UE but is also mostly made for teams, as a solo developer having a whole server for source control is less fun unless this is your job. Though if you’re going to be working with a massive project, sometimes it’s worth it.
Depending on how you can access your Onedrive space, you might be able to use it if you can disable it’s autosyncing features. Though I’m definitely not up on OD usage these days.