I’ve never much bothered. Historically I’ve always disabled desktop wallpapers as due to the way previous versions of Windows used to draw the screen it was a massive performance hit. In Vista days I had some swirly colours that I liked, rather than a a “photo” exactly (I might see if I still have it). I currently have the default Windows 10 backdrop, I’ll probably change it at some point when I can be arsed. My work laptop has a solid colour (it should be a policy-enforced corporate backdrop but I found it to be too bright and distracting so I deleted it and then removed my own permissions to the directory so that it couldn’t be forced back on the next time I logged in).
I use the desktop as a dumping ground for things that I’m currently working on or that I need to do something with at some point. That’s about a third of the screen covered in icons on my home machine and probably over two thirds at work. What’s the point of having a workspace that you’re not using?