So a larger team might build some intricate DDD-microservices architecture with a services bus and a complex SPA frontend because, why not? That's what everyone else does.
As a single developer managing multiple microservices or separate backend/frontend codebases is a lot of overhead (unless it's a learning project). You have to do the simplest thing that will work. So if you can get away with server-side rendering, do that. A monolith makes more sense when you don't have multiple pizza teams, and so on.