Go でジェネリックを使用してジェネリック型の型付きオブジェクトを安全に作成するにはどうすればよいですか?

type FruitFactory[T any] struct{}

func (f FruitFactory[T]) Create() *T {
    // How to create a non-nil fruit here?
    return nil
}

type Apple struct {
    color string
}

func example() {
    appleFactory := FruitFactory[Apple]{}
    apple := appleFactory.Create()
    // Panics because nil pointer access
    apple.color = "red"
}

func (f FruitFactory[T]) Create() *T {
    var a T
    return &a
}

func (f FruitFactory[T]) Create() *T {
    return new(T)
}

// Constraining a type to its pointer type
type Ptr[T any] interface {
    *T
}

// The first type param will match pointer types and infer U
type FruitFactory[T Ptr[U], U any] struct{}

func (f FruitFactory[T,U]) Create() T {
    // Declare var of non-pointer type. This is not nil!
    var a U
    // Address it and convert to pointer type (still not nil)
    return T(&a)
}

type Apple struct {
    color string
}

func main() {
    // Instantiating with pointer type
    appleFactory := FruitFactory[*Apple, Apple]{}
    apple := appleFactory.Create()

    // All good
    apple.color = "red"

    fmt.Println(apple) // &{red}
}