We just happen to have the very same issue, where Salesforce is our last dependency pending to be migrated to XCFramework.
I posted a similar question a while ago (https://salesforce.stackexchange.com/questions/331731/apple-silicon-support-for-ios-marketingcloudsdk?noredirect=1#comment490312_331731), but it seems to be deleted.
@BillMote any news about this?
The LWC OSS Scaffolding or Project Builder has a PWA (Progressive web app) option. This option allows you to build a "regular web app" which can be "downloaded" to users devices as if they were native to the device. So, you can skip the overall SDK and focus on building an app that will be supported on any device. For more on Progressive ...
The APNS certificate should not affect the normal operation of your application in the Marketing Cloud as it pertains to Android as long as your FCM key is valid.
Also, I am sorry that you were directed here for support. This should not be the case.