Use C#. Every time they release another .Net / Core version they try and kill Visual Basic. One day they will succeed.
Keep going with C#. It's productive, the tools are decent and it'll serve you well. I've been using it for 17 years now. The main product I work on is ~ 3 million lines of it (that's after stripping comments and whitespace)
The only thing is it's a pretty wild ride. Lots of things get smashed and deprecated. Look at targeting .Net 5 rather than older versions if you can.
On original questions:
1. It is perfectly safe to download.
2. the Microsoft account is used just to check you are not a business user signing in and using community for nothing.
3. You can just take C# and the IDE. You might want to install the web / desktop app tooling as well for convenience.
If you're not happy signing up for an MS account you can use VScode which is a total reimplementation of Visual Studio from here:
https://code.visualstudio.com/This is somewhat newer and less powerful than traditional visual studio for C# but an excellent general purpose IDE (I use it for most things TBH)