Hi benm4nn
Welcome to te Apple (user-to-user) Community!
Re: "I have created a Personalised Voice, but I am unable to activate it for Spoken Content." :"I believe this is because the applications am I using (Microsoft Word do not have permission to use my Personal Voice."
"(My Personalised Voice works fine for other tools like VoiceOver)"
Good to know you have created, and are using your Personal Voice in VoiceOver!
Am no expert in this area, yet your request to use that voice in your oter apps deserves some response. The way I understand it, a Personal Voice is created in order to speak for you when communicating verbally with others. Whereas Apple provides the voices for screen-reading etc.
If you are not already using it:
With Live Speech, you can type and have your words spoken out loud using your Personal Voice that sounds like you. Find out how to use your Personal Voice with Live Speech
To turn Live Speech on: Apple menu > System Settings > Accessibility > Live Speech.
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Re: "I think Apple needs to add a "+" button to grant access to applications that don't prompt you. "
Apple Support's online article : Change Personal Voice settings for accessibility on Mac - Apple Support
says
" Personal Voice can be used only with Live Speech
and
with third-party apps that you allow, such as Augmentative and Alternative Communication (AAC) apps"
In System Settings > Accessibilirt > Speech > Personal Voice > "Allow applications to use your Personal Voice"
you can "View a list of apps that you’ve given permission to use your Personal Voice.
You can add additional apps or revoke an app’s access."
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Re: "Also my applications, Word, Mac Notes, Mac Pages etc, do not ask for permission when I use the Spoken Content in them so I cannot grant it to them.
It seems there is no support for apps other than AAC apps as mentioned above.
Personal Voice is designed with privacy and security in mind.
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If you want to, you can provide feedback to Apple about your desire for using Personal Voice with other apps.
To provide feedback about an accessibility feature on an Apple product,
you can email the Accessibility team: accessibility@apple.com.
All the best :-)