There’s an important distinction between lots of code and lots of projects. I agree; if you have a ton of code you’d better invest in tooling. But if you just have several normally sized projects, a monorepo can make your life much more difficult than simply using several repos.
Agreed. I think the thing is that GitHub basically supports the separate repo approach fairly well out of the box. Using only a single repo requires more thought around your strategy, especially if you have multiple teams.