Good list!
One addition?
* start with a modular monolith
One addition?
* start with a modular monolith
Note: I'm saying microservices CAN be the right answer, just not always and we should over-engineering.
sauce: I work as a product engineer where we use microservices extensively. I have also worked on monoliths. Preferred working on the monoliths overall I think.
A modular monolith still forces you to name ownership, data boundaries and invariants, but without making every mistake a networking/ops problem.