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No, for xbox , if you want to save your game at all, you need to be subscribed to xbox live.
Not true. Almost all 360 saved games are on the hard drive.... I would say all of them.
In fact, on Borderlands, I copied the save file to a USB and edited it on a PC.
Now, if you selected the cloud for your saved games instead of the hard drive, then it’s likely your games are trapped there if you let Live expire.
You can get them back though, just pay for a month of live or a few days. Then transfer them.
Now if you’re trying to play 360 games on an Xbox One, I really don’t know how that works then