Seems they take a hard line on this...
"Inappropriate" photos? - Microsoft Community
But just what triggers enforcement I can not say.
I do know that no Microsoft Rep will wave any part of the TOS.
Try a third party service like
BOX that you can access from your phone. Be sure to turn off OneDrive auto backup in Camera and patrol your OneDrive to delete anything that might have slipped through.
<edit> BOX frequently has bounties where logging in via app on a certain device gives a lifetime bonus of 50GB free storage. I earned one long ago with an HP TouchPad and it is still in effect. I also could have earned it with a Nexus 4 I had. Sadly, these bonuses are not cumulative.
box device storage bonus - Bing