Unless you are actively hitting WAL contention limits (which is surprisingly hard to do on modern NVMe), the operational simplicity of a single binary beats the "scalability" of a distributed mess any day.
We’ve normalized a complexity tax where every side project "needs" a dedicated DB cluster and a Redis cache. Pocketbase proves that for 99% of CRUD apps, the bottleneck isn't the database—it's the network latency and the developer's time spent managing k8s manifests.