I agree if you don’t have organizational scale, microservices solve problems you don’t have.
But there are at least three separate things that are ‘monolithic’ about a classical monolith. 1) the codebase, 2) the database, and 3) the build and release process.
And you can certainly modularize your codebase into libraries or independent modules, but retain monolithic builds and releases against a monolithic relational database - a ‘modular monolith’.
But I’m not sure that’s the interesting part to break up, especially if you are not trying to solve the organizational problems microservices help with.
On the other hand, modularizing your build and deployment process could be helpful even if you are a solo developer - because it helps you reduce cycle times, and make smaller changes which means that you can trace bugs more quickly.
And modularizing data access is better for security and reducing blast radius of bugs or errors.
Modularizing the codebase seems much more like a problem you only need to tackle when your organizational complexity increases.