Maria DB version requirement higher than my server will allow

Problem/Motivation

So my shared hosting wont update to MariaDB 10.3.7 so this effectively means I either have to open another reseller account (very expensive, I'm a site builder on a budget), or wait for them to update (unknown period) before I can start developing d9 sites (well, actually, I made a couple on my local machine before realising this requirement existed when I tried to upload them to my server.

On issue 3120124 it says "For people still stuck on 10.2, create a contrib driver" - where might this be? How might I get it to work?

Help/advice on my predicament appreciated!