Like many things in life, there are no absolutes. So rather than going to opposite ends of the spectrum, check out modular monoliths.

This approach is a nice balance (IMHO), since you start off with monolith but it is broken down into cleanly separated modules. Each module can potentially become its own micro-service if or when the time comes.

In terms of implementation, this can be easily done, for example we do it JVM/Kotlin where each microservice is its own project that produces a binary/jar. All the projects are part of a multi-project build. Lastly we have a common project for shared code, utils, types, enums, interfaces, etc and an application project that loads/sets up all the microservices from each project. Works great so far. And when you do have break up 1 project into its own service, the effort is fairly manageable.