I mostly agree. I'd add though that isolation can be a legitimate reason for a microservice. For example, if you have some non-critical logic that potentially uses a lot of CPU, splitting that out can make sense to be sure it's not competing for CPU with your main service (and bringing it down in the pathological case).

Similarly, if you have any critical endpoints that are read-only, splitting those out from the main service where writes occur can improve the reliability of those endpoints.