You can build a project linking SDL3 with Lua and have access to all of the features of SDL3, with the obvious caveat that you'll have to code the rest of the owl yourself, but it isn't difficult. I have a basic CMake script that I use for projects and it works fine. (also, obviously you can just run the Lua code locally and skip the build process altogether when developing.) I use LuaJIT though, and the FFI generator here[0].

[0]https://github.com/sonoro1234/LuaJIT-SDL3