The main advantage of microservices are in scaling and in reducing complexity of a big system but those advantages only make sense when you have enough traffic so that you have to scale or when your system has become complex enough to warrant microservices.
When first starting development, the most important thing is speed of development to get feedback from users as soon as possible. It's much faster to develop a clean, well optimized monolith than to spend a lot of time developing a whole bunch of micro services. And while thinking in term of microservices will help you to better conceptualize your software architecture, at this stage, you don't have all the informations needed to have a clear idea of what the final architecture will be and you'll often end up with microservices that are divided in suboptimal ways causing a lot of pain.