I should perhaps have clarified, but the 10-15 are not self maintained services. You need nginx for routing and ingress, set up cert-manager and other ingress endpoints are automatically configured to have TLS, deploy prometheus, which comes with node-exporter and alert-manager, deploy grafana.

So far, we're up at 6 services, yet still at almost zero developer overhead cost. Then add the SaaS stack for each environment (api, worker, redis) and you're up at 15.