I think that create a user with "Create Database User" tool and create the
same user with ORACLE SQL DEVELOPER is different for ArcGIS Desktop.
No, they aren't. Only the database can create users. The only possible difference
is that the ArcGIS tool grants the required permissions (which are documented,
and should be applied manually when not using the tool). The tool is a convenience,
but it certainly isn't required for user creation.
I've never had an "owner" user fail to create data in Oracle, and I've been
an Oracle DBA for 25+ years. Those years have ingrained bad habits, however,
so I think it best that you provide the creation script you used for review by
those who follow the documentation.
If you want folks to read your script, it should be in a CODE block, not as a
Word attachment (I won't open Word docs, even when I'm on a device that
would permit it).