Since no one else has stepped up to offer an opinion, I’ll at least address your questions with mine.
<opinion>
Starting out with trying to implement microservices as a start-up is a huge mistake, especially if you don’t have a large enough staff to distribute the work.
Do yourself a favor and abandon this idea now.
You don’t need it in your situation, and there’s probably nothing you can say here that would cause me to change that opinion.
I suggest you also read my reply at Realworld usage of Django - #4 by KenWhitesell
You might also want to read the thread at Utilize Django authentication as a microservice
</opinion>