"Big companies mostly seem to use the microservice(s) per team model. "

I am good with that. What we often see is 10 microservices per team of 3 devs. And ideally using the same database.

I've seen a startup with 10 devs + 60+ microservices and growing.

The team was stuck in a mindset that they just hadn't split things up enough to arrive at nirvana.