Yes, I can confirm, you need to unlink it both ways. I thought I'd sorted this all out but an update to the apps (or something) restored the "Gallery sync" only option in OneDrive (it remained non-functional because I didn't re-link the accounts from Microsoft's perspective). "Camera upload" disappeared again from OneDrive and my photos stopped syncing again. It had been working for a day or two with just the single account unlinking. I've just now ensured that the link is disconnected both ways and my photos are syncing again. I sure hope this is the last time! To remove your Microsoft account from Samsung Cloud, go to https://account.samsung.com/membership/contents/services/services-gate and remove the Microsoft account listed under "Connected services".
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