Not sure what your concern is
user does not have office installed - the 365 version of access is installed (I believe is 2019)
user has office 2007/10/13/16/whatever installed but excluding Access - the relevant version of runtime is installed
user has office 2007/10/13/16/whatever installed including full access - no download of runtime
note: not sure how far back runtime versions would go.
2016 onwards still use the same 'version', the differences in later versions are generally cosmetic and relate to design capabilities which would not be relevant for runtime
see this link for version comparisons
Microsoft Access Version Differences with database formats, field types, security, containers, form and report features, discontinued features, etc.
fmsinc.com
why is it unreasonable to expect the user to have Office installed?
A bigger concern for me would be if users a) are capable of using 64bit access (depends on machine/windows version/capacity but unlikely unless they have old tech) and b) they install the right 'bit' version if you are providing an .accde.