Understanding the Choices

"?Choose between a Monolith and Microservices"

Ignore the hype and stick with a monolithic architecture as long as you possibly can. Microservices have massive costs (operational overhead, performance overhead, more failure modes, loss of transactions/atomicity/consistency, difficulty in making global changes, backward compatibility requirements), so only use them when your company grows large enough that you can't live without one of the benefits they provide (support for different technologies, support for teams working more independently from each other).