You're right, the set doesn't exist. And nft file should be used.
My first attempt was to make it work by putting my nft files near /usr/share/nftables.d/ruleset-post/30-pbr.nft file and it worked, almost okay except when I uncheck pbr user file then nft file still existed and applied. I partially solved this to make this file symlink to nft file in /tmp (it disappears after reboot).
But later I found how it works and how to make it without this workaround: PBR in 24.10 creates set for custom file after its execution - #12 by kanani
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