I am fortunate enough to have a 2021 16" M1 Pro supplied from my job, and that acts as my desktop machine 99% of the time. I work from home, so the work Mac stays connected to the work VPN. I keep all my work-related files in our corporate OneDrive, and I only access them through that official account. I also keep my work Safari unsynced from my personal Safari, just so bookmarks and histories and things stay separated.
But your question was about personal use. I will say that I used to have an M1 Air for personal use, and once I had the 16" Pro from work in my hands, I loved the form factor and speed so much that the M1 Air got upgraded to a 14" M1 Pro. I do access work email and any other of my web based work tools from there if needed, but I do not have OneDrive incorporated into my personal Finder, nor do I have any local instances of work apps on my personal Mac, or even on my iPad for that matter. (iPhone is a little different story--I like having native apps to access on that size screen)
For me, there are many benefits to this setup: 1) My work computing and personal computing are kept relatively separate. 2) I don't put work wear and tear on my personal Mac. 3) I don't run the risk of any confidential files accidentally being mishandled on non-company equipment. 4) The 14" MacBook Pro is a wonderful computer, and I was pretty in love with the M1 Air.