The killer truth is, the connections between your components start to become more important than the components, and the work to maintain this system is only really justifiable if the components can be worked on in parallel.
But that never happens, and now you spend all your time trying to herd cats. Embrace a monolith, modularise the code, discuss your work with your colleagues so you don't step on each others' toes.
We're here to build systems, not pet-projects/fiefdoms. There is no software architecture that will allow you to work in isolation.