I disagree with some of the points. I think something between mono and multi is good. If you have multiple independent products or multiple independent dev team

I disagree with some of the points. I think something between mono and multi is good. If you have multiple independent products or multiple independent dev teams, they should probably have their own repo. We had 30 odd services in a multi repo setup, we recently moved them all to a mono repo. The new mono repo structure so much easier to work with.