When are microservices too much for a small or medium sized project?

Hey, so we're kicking off this new project, and everyone just kinda assumed microservices right away. But I'm seriously starting to question if we're just making things way harder than they need to be. I mean, for a small team of five building an app with a clear purpose and requirements that aren't gonna change much, when does splitting everything up actually hurt us more than it helps? I'm picturing all the extra work just to keep it running, the nightmare of debugging across a bunch of different services, and that initial learning curve. What do you think, when is a good old monolith actually the smarter, more practical move for smaller teams or simpler stuff, even with all those long term microservice perks people always talk about?