Microservices are not a "Goal"; they are a Solution to the problems of scale and team velocity. Moving to microservices too early is the #1 reason why startups fail technically.
A monolith is simple to deploy, easy to debug, and has zero network latency between components. If your team is small (< 10 people) and your user base is growing, stick with a **Modular Monolith**. Only split when the pain of coordinating deployments between 5 teams becomes unbearable.
When do you split?
Q: "What are the biggest 'Costs' of moving to microservices?"
Architect Answer: "The 'Tax' of microservices is **Operational Complexity**. You now have distributed data, network failure points, complex security (JWT/mTLS), and the need for advanced observability (OpenTelemetry). You must invest heavily in DevOps and automation to survive. If you don't have a strong CI/CD and monitoring strategy, microservices will slow you down, not speed you up."