Hi Barry,
Thank you for reaching out to the Google Ads API support team.
With regard to your concern for adding user using your test account, as per our documentation (https://developers.google.com/google-ads/api/docs/first-call/test-accounts), it mentioned that since test accounts don't have budgets, you may see an error when creating a test sub-account in a manager account. You can ignore this error; the test account will still be created. Kindly check also the limitation (https://developers.google.com/google-ads/api/docs/first-call/test-accounts#limitations) that the test account has.
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Google Ads API Team |