> Monoliths are pretty good in most circumstances

This 1M %!

I have seen a company being approached by an agency to design and implement them an e-commerce website that consisted of multiple web services and when I was asked for feedback, I said "start small; go with WooCommerce and when you hit it big, give me a call."

They are making 500K euros selling goods while being hosted on a shared hosting with a WordPress / WooCommerce website and the server spikes at 25% the most when traffic hit the website lol!

I will paraphrase the well-known "optimization / evil" and say:

    Over-engineer your infrastructure before go live will definitely lead you to failure, let alone bankruptcy.