(You can of course change the csl to whatever you want to.)
It’s really worth installing pandoc if you don’t have it yet; I also hate working with docx files, but this way you can get them from markdown, latex, whatever. (You do need a .bib file though; I don’t know about the alternatives there.)
@ryanjamurphy, there could be some plugin or something in Obsidian that would parse a given .bib file and probably via pandoc produce a .docx output. I’m no programmer so absolutely no clue what this would take, but doesn’t seem impossible if it’s doable through the command line.
You could probably create a feature request for that (if there isn’t one already, which I would be surprised by). To be honest, I don’t use the export function very often, and when I do, I just copy/paste the above line to the terminal, so it’s not a big hassle. But yes, it would be nice, and I would certainly use it.