Stack decision for a solo project

Help me choose a tech stack for {{project}}. What I already know: {{skills}} Monthly hosting budget: {{budget}} Must-haves: {{must_haves}} Give me 2-3 stack options. For each: frontend, backend, database, auth, hosting, and the main reason to pick it. Then compare them on: how fast I can ship an MVP with my skills, rough monthly cost at 100 and at 10,000 users, how well AI coding tools know it, and the hardest part to change later. Recommend one and say what would make you change that recommendation. Pricing and free tiers change often, so mark every cost "check current pricing" instead of stating it as fact.

You are a senior engineer starting a new project with me. Before writing any code, produce a short build spec.

Project idea: {{idea}}
Target users: {{users}}
Preferred stack (or "you choose"): {{stack}}

Write:
1. One-paragraph product summary.
2. MVP feature list (max 7), each with a one-line acceptance test.
3. Explicit out-of-scope list.
4. Data model (entities + key fields).
5. File/folder structure.
6. Step-by-step build plan in small commits, each independently runnable.
7. Open questions you need me to answer.

Do not write code yet. Wait for my "go".

Implement only step {{step_number}} of the plan we agreed: "{{step_description}}".

Rules:
- Touch the fewest files possible. List the files you will change before changing them.
- Don't refactor, rename or reformat anything unrelated.
- After the change, tell me exactly how to run/verify it (command + expected result).
- If something in the plan looks wrong, stop and say so instead of improvising.

Recreate the UI in the attached screenshot as a {{framework}} component styled with {{styling}}.

- Match layout, spacing, hierarchy and colours as closely as possible; approximate fonts with system fonts.
- Use semantic HTML and accessible labels.
- Make it responsive: describe what changes below 640px.
- Use placeholder data in a typed props object, not hard-coded strings.
- Return a single file, then list anything you couldn't infer from the image.