Prerequisites to create a 365 app and interact with Microsoft Graph

Question

I want to create an app to leverage Microsoft Graph on our customers 365 accounts, but I'm not sure what are the prerequisites to do it as what I've tried for now failed.

Currently I have :

• a "personal account" (as we don't use 365 at work)
• joined the "Microsoft 365 Developer Program" but I don't have (or need) a VS subscription, which make this portal mostly a list of pointers to the docs.
• access to the Azure portal with the same account, without activating an Azure subscription (which makes the portal mostly unusable and annoying with error notifications).

From the Graph quick start FAQ [1], personal accounts should work. While in the Graph quick start page [2], only work and school accounts are mentioned (which is also what the API said when I tried to create an app with the CLI and my account).

So what are my options?
Pay for the VS subscription that I don't need?
Create a work 365 organization with a single (paying) account that will only serve for creating an app?
Is it possible to subscribe to Azure (free, but we lose the 30 day credits) and create an app there?

[1] https://learn.microsoft.com/en-us/graph/quick-start-faq#prerequisites
[2] https://developer.microsoft.com/en-us/graph/quick-start