It's a spectrum, yes, and adding an extra service might be the right move, especially if they are well and truly independent (don't interact with each other). But it's still a significant architectural decision to go for a distributed system, much more so than whether you split your services into separate repos or go for a monorepo.

Getting work done is important, but it's not an excuse to avoid thinking through the long-term implications of your decisions. If you shrug and say "it's just one more service" every time you're tempted to add a new docker image, you'll not just end up with microservices, you'll end up with poorly planned microservices.