You absolutely can roll back to previous versions using the steps in those links. I believe it has a 30 day limit, but that is pretty good for a consumer product.
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Cake day: July 3rd, 2023
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OneDrive does offer restoration of individual file versions or even the entire OneDrive contents (for things like ransomware attacks). Details are here
I think OneDrive is a pretty good (but paid) backup utility especially for non-technical people. There are a lot of things that I could nitpick on, but for some of the older people (octogenarians) that I am the family support for, I set it up and anytime I interact with their computer I click on OneDrive to ensure it is replicating. I very occasionally have seen a single file not replicating, but never have I seen it fail completely. These people previous had NO backups of any kind.
I use it myself as an additional backup location, but not in the way most people would.
This work between certain states. For instance, you can drive into Oregon and shop with no sales tax then return to California or Washington with your goods.
Liquor is also much cheaper in some states than others—you can really stock up if you are already driving through a state.