MS Teams - Do I need a MS Teams account to use MS teams?

NO.

You don't need to sign into Microsoft Teams as it's Free to Use without a Microsoft Teams account

You'll b able to accept Microsoft Teams meeting invites by clicking on the hyperlink/meeting invites sent to you.

The hyperlink/meeting invites to the Microsoft Teams meetings are provided by the host of the meeting.

Microsoft requires a Paid Subscription account to create meetings and to send meeting invites from Microsoft Teams.