You can't do MBR with FAT.
It is either/or.
either or what? Please explain, I am not that knowledgable. What does Windows require? What can I put into my Mac if its all on one drive vs if I am trying to shared a drive with other APFS volumes?
The Apple way is a hybrid partition when installed on the same drive (at least on older macs). When a hybrid parturition is created Windows cannot see the EFI partition. As far as it is concerned it is an MBR drive (even though it is not hence it is called hybrid).
how do I create a "hybrid"?