I switched from GMail to a personal Microsoft 365 domain when Google decided they didn't want to give me free email/domain services anymore. 365 was cheaper. I got about 10x the amount of spam to my 365 Junk folder than I did to the Junk folder in GMail. I would spend 10 minutes a day going through the junk folder to pick out false positives. I woud have inexplicable issues with missing email with 365, where the root cause was always SPF issues from a third party sender. The big issue was event tickets mailed from a third party ticket service provider using the venue's domain name rather than the ticket provider's domain.
I switched back to GMail a few months ago, and not only do I see less stuff in my Junk folder (indicating Google is blocking stuff rather than identifying it) but also I have not seen a single false positive. Hopefully that means Google is more effective, but there's no way to tell if I'm missing legitimate email. So far, no complaints.
Microsoft's spam filter is fundamentally broken. It's been that way for decades. There's an entire cottage industry of snakeoil salesmen that want to sell in-line antispam gateways to bolt onto 365, and the worst part is that they have a very good reason to exist...
Strange, while I keep my GMail address I don't use it for anything new anymore since roughly 50% of the positives are false (no false negatives, though).
I switched back to GMail a few months ago, and not only do I see less stuff in my Junk folder (indicating Google is blocking stuff rather than identifying it) but also I have not seen a single false positive. Hopefully that means Google is more effective, but there's no way to tell if I'm missing legitimate email. So far, no complaints.