The beauty with HashiStack is you don't need to go fully monty. There's also no need to use ACLs which I agree adds a lot of unnecessary complexity if you're only at the MVP phase or doing things solo/in a small team. And you can run everything on a Digital Ocean $10/mo droplet -- it's very lightweight. I even have one HashiStack deployed on a Raspberry Pi running Home Assistant and other ancillary wares and it works great. But there's always the path to building a proper cluster if you need the redundancy.
I'm very bullish on HashiCorp. They can do a much better job though of communicating that not every deployment needs to be enterprise-grade and offer better ways of bootstrapping the type of cluster that fits your needs. I think a lot of that messaging gets lost due to their ongoing war with Kubernetes and what large companies are looking for.