Totally agree. Micro services unnecessarily makes thing complicated for small teams. IMHO it solves the problem of velocity ONLY when a large engineering team is slowed down due to too much release & cross cutting dependencies on a monolith. Although I see people solving with modular monoliths, merge queues and CODEOWNERS effectively.

Few cases where microservices makes sense probably when we have a small and well bounded use-case like webhooks management, notifications or may be read scaling on some master dataset