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Future-proofing, I assume. Better to have things in Terraform now than to have to move them all later as you grow the application. Moving things into Terraform can be quite hard, since you essentially need to figure out how to reproduce the entire infrastructure from scratch.

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YAGNI.

You won't need it. But you'll probably want it, since at most start-ups complexity grows over time.

Sounds like lack of knowledge and experience to start glueing random stuff to make things over complicated.

Unless your startup is wildly successful, which everyone is incentivized into believing. What you described sounds less like a Terraform problem and more like a complex infra problem.

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