Hi,
I think you are confusing the use of Microsoft apps with Apple apps; they do not work the same way on both platforms.
If you want to use iCloud (Apple), you should be only accessing it on Apple devices (iPhone/iPad/Mac/iMac, etc.). If you are using Microsoft apps such as OneDrive, they are designed to work with Windows devices such as IBM PCs, Windows laptops/tablets/phones. Attempting to cross-platform is not supported or recommended from what I've seen.
Simply use your Apple mobile devices to upload or auto-sync to Apple's iCloud. Use any Windows mobile devices to auto-sync to OneDrive. I now have a mixed household since I bought my wife her iPhone last Christmas; the rest of my devices are all Windows and Linux based. To my knowledge there is no auto-syncing program that "bridges" iCloud and OneDrive regardless of which one you pay a fee for premium storage to.
What you might try, is if you have an Office365 annual subscription (I have this for my Windows machines), you now get 1TB of OneDrive storage per user. My subscription gives me 5 users each with 1TB of OneDrive storage; total storage 5TB. If Microsoft has an analogous Office365 subscription for Mac Office, you could buy the Mac Office subscription, and install your Mac Office on your iPad for example, configure it's OneDrive, and then when you switch to your Windows10 machine, your photos may auto-sync between the Mac-based Office OneDrive and the PC-based Office OneDrive.
Others may have a dual-platform setup at home with more experience than me, so perhaps we'll hear if my suggestion will work or there is another way for you. I'm planning on buying a MacBook or an iPad later this year, and if I do so I can test this theory and post back. That may be a bit late for you, so hopefully some of our other Mac-Apple experts can chime in with a current solution if one exists.
If you do find a result that works, please post back and share your final solution with our other Users.
Best of luck to you,
<<<BIGBEARJEDI>>>