Microsoft Graph API is an integration of several services such as Users, Groups, Files, Mail, Teams etc. When you download SharePoint files, I assume you are using OneDrive and SharePoint Graph API which is currently free.
This article ((https://learn.microsoft.com/en-us/graph/metered-api-list) you mentioned in the original post illustrates Teams chat Graph APIs and Assign sensitivity label Graph APIs require licensing and payment, it has nothing to do with OneDrive and SharePoint Graph API.
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