Look here: "
Will need to copy 8523776 bytes to EFI system partition". That copy won't be done without the EFI partition being mounted.
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You don't necessarily need to use APFS.
1.) Tun the installer (this creates the: /macOS Install Data/ folder).
2.) Reboot.
3.) Do not select the volume/drive with the /macOS Instal Data directory on it. Boot from another boot volume.
4.) Download and run sudo
checkAPFSSettings.sh (changes the APFS conversion settings) twice.
5.) Reboot.
6.) Let the installation process proceed.
No. Now you won't have APFS, but that is highly overrated. The gains are very limited. Despite what Apple want us to believe. And when you want, the APFS conversion can always be done at a later time.