Can I access iCloud photos on my PC without uploading my computer's photos?

I wanted to hook up iCloud on my home PC so that it'd be easy to access my iPhone photos. However, in the Photo Settings, under iCloud Photos, here's what it's asking me to turn on:

"Upload and store your PC photo library in iCloud and access photos and videos from all your devices"-- (emphasis mine)

I don't want to store my COMPUTER'S PHOTOS in iCloud, I just want to be able to access my iCloud photos ON my computer.............what am I missing here?!?! I already have OneDrive for my PC photo/data storage--isn't this asking me to upload all those same photos now to iCloud (duplicating my OneDrive storage in iCloud?)??

Can I NOT simply access my iCloud photos on my home computer without including my PC photos as well? HELP!!

Julz in AZ

[Re-Titled by Moderator]

Original Title: iCloud on PC--"ON" means I upload all my PC photos to iCloud, too?!? Help me understand!