Changing location of download files not working via settings

[Windows 10]

I have a load of iCloud photos that I wish to send to a second storage drive I have on my Dell Optiplex 7040.So, I have C: drive and a SDD labeled D:. In settings > where new content is saved - I have only new apps go to C:, everything else goes to D: However when I click DL from iCloud, it goes to C:\download....Is there a way to download files to D: directly?thanks!

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