What do you prefer and why?
What exactly do you mean by your question?
Of course I have split my projects over multiple repositories, because the projects are distinct to each other. But I am not sure if this is really what you want to know…
Started a similar discussion before, Opinions on using mono repos for library code.
I think mono repos are a good idea but mix doesn’t support git dependencies for projects nested in a repo.
Mix does support checking out a specific directory from git, check out the :sparse option https://hexdocs.pm/mix/Mix.Tasks.Deps.html#module-options. It does not support keeping multiple dependencies from the same repo in lockstep against the same revision so you would have to manage that yourself.
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Dah should’ve searched 
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Projects that have say multiple services you can have distinct repos for each service or a big repo that has all the services.
