i have worked on several not-faang-sized-but-largish b2c startups, all of which were forced to spend a very large amount of money, time and people trying to migrate things off the one central RDBMS when it could no longer be scaled vertically. This is a real problem that you likely will run into well before FAANG size, and it really does hurt, and i think it gets minimized by the "just use one postgres for everything" trope. You should probably think about it at least a little if your planned business trajectory is into the 1 million+ users realm.
Im not saying you have to use nosql or whatever, but some sort of small future proofing (eg introducing different schemas/permissions for your different data domains inside your monolith) can help make future database seperation much easier.
If you're doing a B2B app its a different story, much harder to hit the limits of a big RDS instance.
The real answer, as in most software engineering is "it depends"