This doesn’t sound like an issue for those who use Fusion frequently, however you may want to find ways to get local files, just to be safe.
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Ok. I too hate that everything is directed to cloud and saving locally is treated like something strange that no one wants.
The day Autodesk removes the capability for local save ("export your files from cloud" in some Autodesk website is not the same as saving files directly from Fusion 360) is the day I leave Fusion 360.