I've been running a SaaS for 10 years now. Initially on a single server, after a couple of years moved to a distributed database (RethinkDB) and a 3-server setup, not for "scalability" but to get redundancy and prevent data loss. Haven't felt a need for more servers yet. No microservices, no Kubernetes, no AWS, just plain bare-metal servers managed through ansible.
I guess things look different if you're using somebody else's money.