Serial one-man SaaS builder here with a pair of soft-landings and one big hit:
I would agree with others who have opined that this is overkill. You couldn't pay me to use Terraform or Kubernetes for my SaaS unless it was a much larger team.
My stack usually consists of this: A framework I am comfortable with that removes a lot of boilerplate (happens to be the one I know best in the language I know best), the database I know best, the memory store I know best, Turbolinks for load times, a theme from ThemeForest (with the commercial license), self-hosted analytics, Amplitude, and Heroku.
The author mentions "lessons learned" regarding Clickhouse and Kubernetes. I'm not sure what their original goal was when starting their SaaS. Usually mine is financially motivated more than learning things.
What I'm really saying is that just go with what you know best. Having to scale is a good problem to have. Pre-optimization is the root of all evil — asking "is x the right stack for y?" will always be yes when you ask in the x subreddit.
Stop thinking and build.