Git: Where exactly is the “working directory”?

Question

I am going through some Git tutorials. The concept of a \"working directory\" keeps being mentioned, however, none of the tutorials or documents I read points out where

Answer 1

Do you work directly in the local repos?

When I follow Microsoft's instructions [ref. https://docs.microsoft.com/en-us/azure/devops/repos/git/clone?view=azure-devops&tabs=visual-studio ], that's where I end up opening the .sln solution file. That seems wrong to me and unfortunate, because I prefer to work on code on my massive D: drive (D:\dev) rather than in C:\Users\\source\repos, where the repos are kept by default (I don't mind the local repos being kept there - it's not ideal - as long as I can work in my D:\dev area).