> I don't wish making this decision without any experience whatsoever

Not really a show stopper. It’ll be slower but you can just ask the LLM to draft you an analysis of the options and trade-offs. Not quite the same as true experience but works fine for the most part. LLMs are pretty good at reasoning through architecture choices these days

Worst case you just try both paths. Code is cheap now so may as well leverage that as a strength