Just develop locally. Meaning, install a virtual server (machine) in your computer and you can work on it without the Internet even.

It's not that difficult to set up and run. You can check out Laragon (https://laragon.org/). So far it's fast and light compared to Bitnami, XAMPP and others I've tried.

And once you're happy to make the website go online, you can export-import the whole website into your hosting later.

Is there a reason you need to develop your website on an actual host?

Maybe consider this; https://wpwebhost.com/#plans - USD36 per year?

Yup. I've not used them for any projects, only for testing - speed ain't bad.

I can't say much for support since I hadn't hang around long enough to run into anything.