See
https://ungureanu.blog/2025/06/24/new-in-php-intl-8-5-intllistformatter-display-arrays-as-locale-aware-lists/

I'd suggest handling only a few locales (or maybe only "en" as a start), with the rules from
https://github.com/unicode-org/cldr-json/blob/main/cldr-json/cldr-misc-full/main/en/listPatterns.json